23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

There are 2 issues - We purchased an item through PayPal. As we later discovered the item was sold by a XXXX company. It arrived in pieces and unusable because it was very cheaply constructed and very poorly packaged. 

We took photos on opening ( the box was destroyed so we highly suspected the product was going to be damaged ). We sent photos and PayPal advised us that we had to return the product to XXXX at our expense. As it turns out, this was more expensive then the product was. PayPal offered no further assistance. 

We would expect that, given the timeliness of our actions and thoroughness of the documentation we provided PayPal, that PayPal would refund our money ( {$30.00} ) and hold the manufacturer and/or shipper accountable. They refused. 

The second issue is that we were so frustrated with Paypal that we attempted to close our account. When we attempted this we received an error message that said we had to notify customer service. There is no phone contact information so we messaged through the PayPal website. We did this 3 times stating we would like to close our account and asked PayPal to delete all of our personal information including, but not limited to, contact information, account activity, etc. - and to eMail us a confirmation when that was done. 3 times we have received messages back stating we should " rethink '' our position and not close our account. When we were really, really insistent, PayPal sent us instructions on how to close the account - these were the same steps we followed initially when given the message to contact Customer Service. Regardless, we tried to close the account again and received the same message to contact customer support. 

We have tried to be polite ( even though we disagree with PayPal ). PayPal has been unresponsive to either of our requests and we are fed up dealing with them. We have yet to have them carry out any of our simple, straight-forward requests - and they have not closed our account.
Product: Credit reporting or other personal consumer reports

Ive disputed my public record with Equifax, Transunion and Experian and never get results done. They claim that XXXX gave them information on my public record and also they told me that they contacted personally the clerk of the federal courts in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX copies of a XXXX  XXXX, which they say I have I have disputed this over XXXX times and nothing changed. They all tell me that they talk to the clerk of the courts I called the courts over XXXX times and they told me that they never gave experience Transunion or Equifax any information and they asked me to retrieve documents from the XXXX major credit bureaus showing me that the courthouse in XXXXXXXX XXXX XXXX XXXX XXXX sent them information. Ive told them that I would file a complaint with CFPB and was told GOOD LUCK because they couldnt do anything about the property/report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I started the refinance with sprout mortgage late XX/XX/XXXX for two of my properties. After 3 months and many emails to correct their mistakes I closed in mid XX/XX/XXXX. Now they faild to transfer the loan to a servicer. They list plant home lender as a servicer on the CD and as of today decmber XXXX XXXX, planet home knows nothing about my loans. For one of the properties, they collected fund to the escrow account and now they fail to pay the insurance that I have due on the XXXX of XX/XX/XXXX. When I called they kept transferring me to many people and eventully hang up. I sent many emails and emails are kept as evidence for their contract breach. Now I do not know what I shall do. I feel that I am stock with this lender that I am doubting their legitimacy. I need help!
Product: Credit card or prepaid card

Beginning around XX/XX/XXXX, I removed an authorized user from my credit card ( Chase won't give me the precise date ). I recovered the card from the user, then charges were being made without my approval or knowledge. I then changed my card number due to fraud in late XXXX or early XXXX ( Chase won't give me the precise dates ). Charges continued to come in, so I called Chase again ( Chase won't give me the precise date ) to see why. Even though I recovered the card & changed the card number, Chase 's policy isn't to also remove the card from all mobile wallets ( XXXX XXXX in this case ). I filed two fraud reports with Chase, and their fraud department only does a cursory review of my case and then denies it without me ever being contacted directly by fraud investigators. They call once and then close against me. Both times I was on calls for work and even relayed alternate times to contact me outside of work hours. I called back both times and asked to speak to the investigator and was again not connected to either one. 

Please help me escalate this with Chase. Part of reporting fraud means removing the card from mobile wallets as well and they need to change their process. I should not be liable for these charges due to their miss.
Product: Debt collection

In 2014, an account was opened with XXXX in Ohio. 
After leaving ohio I had closed the account with XXXX and returned there equipment. 
I then started receiving calls from a debt collection agency. Which I then called XXXX who confirmed I returned there equipment and was told they would tell the debt collector to stop. 

To date they have not called back but now I see it affecting my credit score.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act Equifax and XXXX have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without 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 any purpose. I have never given written, verbal or implied consent to share my information with any of these companies I am unsure how they legally acquired any of my information. Each company has violated my rights for years without my consent and continue to do so even after I have disputed furnishing my written consent ( which they have not, they have sent me computer generated letters saying that I have consented... with no proof ) They also have failed to provide credit reports as I have requested them
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX In accordance with the The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and business addresses of each individual with which you verified above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

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

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am attempting to file a complaint regarding my Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I was recently served due to this matter which violates the XXXX XXXXXXXX XXXX XXXX XXXX. I pulled my XXXX report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/1991 and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.
Product: Checking or savings account

I opened a gold checking account with US Bank in XXXX of last year, and was told the account would be fee free as long as I had a US Bank Credit Card. The card was closed without my knowledge ( I did not receive a message or letter stating the card was closed ) and I was charged monthly fees of {$14.00} for XXXX and XXXX. I would like to request that these fees be refunded since I was not informed at the time that the card was being closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate
Product: Checking or savings account

After 30 years with the bank ( Bank of America ) we receive a letter telling us that they are no longer allowing mortgage loan broker checking and XXXX Trust accounts. When asked why, they said that it does not meet their risk criteria.

In our State of California, a Department of Real Estate licensed XXXX  is required to have a XXXX Trust account which the XXXX  deposits and manages funds on behalf of a beneficiary. This is a business checking account. The account must have FDIC coverage or XXXX, etc. The account must be titled with a Trust account in our name. No separate Trust agreement is required as it is outline in California Business and Professions Code Section 10145 ( a ) ( 1 ) and Commissioners Regulations 2832 ( a ).

We approached approximately 6 other Federally Charted Banks in our City and were told they are not opening Trust accounts for Mortgage Brokers.

This will limit consumer choices in obtaining loans and stifle competition.

The bank has no cause to close our accounts and give us notice of less than 30 business days. 
Other mortgage XXXX I am told get around this by telling the bank they are real estate offices with salespersons, not mortgage XXXX. This is lying to the bank which we do not believe is a good way of doing business or ethical.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Debt collection

We joined XXXX because the sale pitch they gave us was all about how we could come into the store to make purchases and receive help from their professional staff. We were told how XXXX was a long standing company in the community and they were n't going anywhere.. Well, to our surprise a few months after joining the store closed down and XXXX was gone. We had ordered kitchen cabinets, and other items, and there was no one, or any system set up to take over the service when they closed down. Several months went by and we had n't heard anything about our outstanding orders. that had been paid for. After maybe four or five months I went through the XXXX account that I used to pay of my order and was able to track down my kitchen cabinets. They had been in a warehouse in XXXX, TX for months. We have other orders that we paid for that we never received. We were contacted by someone that explained to use vendors we would have to contact them and they would get us into see someone within two weeks or so. When we signed up originally I could simply call the store and they would give me a contact for the vendors. I would call that person and had immediate access to the service I need. This is what we signed up for ; the way I had to access vendors after the store closed was not useful. We were promised a service that we did not receive, and had no access to. We were paying out and getting nothing in return. Therefore we feel that XXXX broke the contract and we should not have to pay for unreceived services. XXXX is the company XXXX used to finance the membership.
Product: Debt collection

XXXX XXXX has damaged my credit and I know no knowledge of this debt. They have not provided any documentation proving I owe this debt. 

I will need dates, my actual name, and signature authorization to this amount of debt owed. 

If not I ask they please cease all actions to destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email XXXX 15 U.S Code sec. 1681c-2 commands a consumer reporting agency Shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than ( 4 ) four business days after the date of receipt. It has been well over thirty days, and You are in violation of this law. Because I am a victim of identity theft!! Please delete these items immediately!!!

These accounts should not be furnished in my consumer report [ a ] in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given any consumer agency writen consent to report anything on my consumer report. 
Which violates my rights as a federally protected consumer no consent is identity theft as a consumer I demand the deletion of the listed accounts immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXQUAFAX 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 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 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: Bank account or service

US Bank has taken the deposit of my payroll check and withheld it from my " available funds '' for longer than their policy states. The check was deposited in the US Bank ATM in XXXX, California, at the same branch where I opened a savings and checking account on XX/XX/2017. The funds should have been cleared and unlocked today XX/XX/2017. It is now past business hours, and the funds have not been unlocked. Per a call to their customer service department this weekend, the funds were to be unlocked today by the expiration of the lock. 

The check is my payroll check from the XXXX, a local institution and the primary employer within XXXX, California, and a California State public institution ( part the XXXX Community College system ). Obviously this is a reputable institution and a well known within the local community. The check is {$2200.00}, but my total savings and checking balance is currently over {$9000.00} and includes overdraft protection. 

The letter from US Bank has this listed as their reason for withholding access to the funds : " We have information that leads us to believe that the check may not be paid '' " For your protection, we are ensuring the availability of your deposited funds. '' The most important statement, " These funds will be available no later than 7 business days after your deposit. '' Again, it is past the close of business. XX/XX/2017 to XX/XX/2017 is 7 business days. The funds are not unlocked. 

This is a new account, but this is the second abuse from US Bank where they have denied me access to my funds. They have a repeated pattern of abuse. Given the payroll check is from a reputable institution, I am certain this is being done to benifit the bank by playing with the " float '' cash balance - leverage their available funds by blocking a customer 's access to their personal funds. This is abuse. 

Worse of all, they only notify me of the funds lock by snail-mail letters. They have email options and do email me about my account. However, they refuse to use emial to keep me immediately up-to-date of locked funds on my account. Since I leave most of my monies in the savings account, which is the account used for the overdraft protection, I have three times been at risk of overdraft because of the locked funds. I 've had to needlessly transfer more funds into the checking. 

I believe the second reason for this ploy is to trigger an overdraft and, thus, an overdraft fee. 

US Bank is using a strict defense of their policies to hide games of " float '' and games to catch an customer off guard with overdraft fees. However, they are not following their own policies by locking funds past their 7-day policy. 

At the first chance, I will be closing all US Bank accounts. They are not a reputable organization. They are abusive.
Product: Checking or savings account

Trying to help my mother who is XXXX years old by becoming a POA for her. Bank of America is making vague and unreasonable objection to signed State of California compliant POA with Notary Public stamp and signature.

We can't get them to explain what is exactly needed to establish POA.
Product: Credit card

In XXXX of XXXX  I had built my credit score to XXXX. Unfortunately, I noticed that there were several irregularities with 3 bank accounts. XXXX XXXX someone charged approximately {$3000.00} which was quickly resolved by the bank and they said it was clearly fraud. XXXXXXXX XXXX was the same issue, I not only had a great score but my balances were reduced due to a {$30000.00} pay increase and XXXXXXXX XXXX wiped out {$5000.00} in charges in a XXXX second call. I had a Best Buy Card backed by Citibank. It had no balance going into 2022 or at least the very beginning. XXXX initially said no problem, we will resolve this. I was just told not to worry. I was never told to do anything. The charges were aligned with the other bank issues where someone spent more than {$2000.00} in XXXX. I dont live in XXXX and I dont work there and I have not been there in years ; especially since COVID. 
I heard nothing from anyone until XXXX, well over 30 days and 90! I only knew about it because they sent me a late payment letter. 
I never missed one payment on my Citibank card or Best Buy which again was paid off going into the year. 
I was told that I didnt get cleared by someone in their fraud department because I didnt file a police report. 
I did so immediately but they said even if I did it immediately there wasnt much they could do. 
I sent forms to Best Buy/Citi stating that the day of the transaction was the same day as I started a new job and that I was not in XXXX that day. They claimed that they called me and I approved the transactions. It was a laptop and headphones. My company provided me a laptop so I dont know why I would go to XXXX to buy a laptop the first day of my new job! And I also sent my phone records for the day and I didnt see any calls. Even if they did theres still a probability that I didnt get it or ignored it or any number of reasons like rushing another junk call off the phone. I would not have approved if I knew.