23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On saturday XXXX XXXX 2015 I had made a cash and check deposit at an M & T Bank branch location at XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. The cash deposit was for {$960.00} and XXXX checks. XXXX check for {$150.00} and the other for around {$37.00}. I ca n't recall the exact dollar amount because I do n't have copies of the checks. As the deposit was being processed, the atm shut down and ate the deposit. No receipt was provided. I immediately called the M & T customer number for the bank to report the issue as the branch was closed. I was advised that when the branch opened on Monday morning they would balance the atm and my deposit would be completed. The representative said there was no way for them to make a service call to ( XXXX ) whom services the atm 's if there is an issue. The representative assured me that it would be corrected upon the balance of the atm and there would be no need to worry. She stated that there would be no discrepency. I was advised that a provisional credit would be issued to my account within a few business days. At the end of the call the representative said that they would have a technician service the atm but the would not be able to get out there for a few hours. That contradicted her previous statement. Never the less, I was upset over the situation and in a panic as well. A few days past and I received a provisional credit to my account for {$1000.00} and {$98.00} for the XXXX checks which did not add up to my initial deposit. There may have been a discrepency with the cash amount listed in the dispute due to the fact that I had counted the cash hours beforehand then spent {$40.00} of the {$1000.00} prior to the deposit. I had advised the representative at M & T when making the dispute of this. She advised me that they would issue the credit for the {$1000.00} and if there was an adjustment it would be done the following monday when the teller at the bank balanced the atm. On XXXX XXXX, 2015 I had recieved XXXX letters from M & T. XXXX stating that the {$98.00} provisional credit was determined to be accurate and they closed the dispute. The other letter stated that after a review of my account through investigation, they determined that no error had occurred and the transaction in question was processed corectly. They stated that they would be debiting my account for the {$1000.00} on XXXX XXXX, 2015. 
I have been a long standing customer of M & T and am beyond concerned as to their banking practice and consumer protection capabilities. My assumption is that either a teller at the branch pocketed the money or someone that may have serviced the atm obsconded it. I have advised M & T to pull video footage of myself attempting to make the deposit as well as the teller whom balanced the atm. This is beyond upsetting and frustrating. It will be a financial devistation to me should they debit {$1000.00} out of my account. I am also considering filing a police report and going to the news. Should the bank not rectify this I will seek an attorney to file a civil suit.
Product: Credit card or prepaid card

This is a complaint against Paypal, for it's failure to protect customers from being charged by unauthorized transaction. 

Here is the story : I started my free trial on an audiobook app in XX/XX/XXXX. To start my free trial, I had to link my Paypal account with the app membership so that the merchant could charge me if I wanted to renew my membership after the free trial ended. However, by using the app for several days, I decided to cancel my free trial and not renew my membership any longer. Thus, there should be no charge on my Paypal account at all. 

However, on XX/XX/XXXX, I found I was charged by the merchant for a full year membership renewal. I immediately reached out to Paypal to dispute this transaction and checked 'automatic payment ' on Paypal and found the status of the automatic payment was 'Inactive '. 

One day later, Paypal responded and said it was not an unauthorized transaction. So they wouldn't protect me from this issue and help me get my money back. Meanwhile, they requested me to review my active automatic payment more carefully going forward. 

However, I don't agree with Paypal 's investigation result : 1. The transaction is definitely an unauthorized charge. As I canceled my free trial, my agreement with the merchant to charge me by Paypal should be terminated immediately. Any charge after the cancellation should be identified as 'unauthorized '. 
2. I have already reached out to the merchant, but it didn't respond. If Paypal passes the buck to the merchant, as a customer, I can do nothing if the merchant refuses to resolve the issue. In this case, Paypal fails to protect its customers as promised. 
3. The status of the automatic payment by the merchant was inactive when the charge occurred. How come could Paypal allow an inactive charge happened? 

If Paypal treats this type of unauthorized transactions legit, then customers will be under tremendous risks when they subscribe to any services. Because, if merchants continue charging customers after customers request subscription cancellation and refuse to respond customers, customers can find nobody to protect them. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Product: Credit reporting or other personal consumer reports

Due to a data breach there were multiple accounts on my credit report that I did not recognize it is listed below : THESE ACCOUNTS WERE A RESULT OF THEFT : 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 UNRECOGNIZED INQUIRIES : XXXX XXXX XXXX XXXX, XXXX Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report though I was not the person who opened those accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mismanaged, misused, negligently, and, perhaps even unlawfully, exposed my personal, biographical, and credit information without my consent. 

While I understand Equifax itself was a " victim '' in the hack too, Equifax 's confounding and belated response and incompetent security measures means its problems were largely self inflicted. 

Indeed, imagine the depravity and gall of a man who XXXX XXXX XXXX then complains after the fact about being an XXXX ; this is the situation Equifax finds itself in. 

Moreover, Equifax had the brazen boldness to charge me a fee to freeze my credit file. Why should Equifax profit from its incompetence?
Product: Credit card or prepaid card

I purchased a couch from XXXX XXXX in XX/XX/2016. I earned rewards totaling around {$700.00} on a certificate with a 6-month expiration date. I researched the account and saw online that points do not expire for 36 months, so I called customer service to inquire about the policy. 

I was told explicitly over the phone that the certificate was only good for 6 months, but the actual rewards were good for 36 months. I would be able to get a new certificate at any point within the 36 month period. 

I called in XX/XX/XXXX to get a refreshed certificate, and was told those {$700.00} had expired after 6 months and that 'points ' and 'dollars ' are completely different -- the exact opposite of what the original agent had told me. 

The second agent I talked to took no accountability, and said the policy was clearly stated in their rewards information ( this same information that was confusing and led me to call in the first time ). He made no attempt to correct the situation. 

I know XXXX XXXX is small and can often fly under the radar, but I urge you to investigate these shady policies and practices that I believe are intentionally designed to deceive customers. 

Banks should be held fully accountable for deceptive practices even when they are part of partnerships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and requested to all of the 3 reporting Credit Bureaus that each file update my name, with correct spelling, hyphenation and initial along with current address and name of employer so that my information matches equally and nothing has been done. I have multiple aliases and addresses and my name spelled incorrectly I feel that my identity can be at risk. I have provided them with the proper documentation showing the address as well. Please advise them to make the proper changes to my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion have compromised my personal information though data breaches ; and/or have failed to investigate disputed information on my credit reports, and make the appropriate corrections, even after reporting identity theft through the FTC.
Product: Debt collection

Stenger & Stenger has continued to submit the same statement regarding an illegal obtain judgement on XXXX XXXX in XX/XX/2010. XXXX XXXX has never once been notified regarding the 1st judgement, nor was Mr. XXXX ever proper notified on this current judgement. XXXX XXXX XXXX is the 3rd purchaser of this debt that ... AGAIN.. IS A TIME BARRED DEBT!!! ( apparently, not understand that part of this conversation ) & that Stenger & Stenger has shown any and all proof of legalities of this TIME BARRED Debt. ( again NOTHING IS ON MR XXXX 3 CREDIT REPORT regarding this so called debt & JUDGEMENT!! ) Yes, we understand the 6 years!!! Yes, we know it is 10 years on Judgements ( again, no record of any JUDGEMENT on Mr. XXXX 's 3 credit reports!! ) However, once again, Stenger & Stenger has not proven that Mr. XXXX was properly notified with either a proper signed summons that Mr. XXXX was notified regard any court date to dispute any action taken against him. Stenger & Stenger only answer is that they are trying to use that We do not under the laws regarding Fair Act regarding Consumer Affairs. Stenger & Stenger, as with any and all other debt collection bottom feeders is utilizing the back door to enforce an illegal issued judgement from XX/XX/2010 ... but, supposed Summons was back in XX/XX/2010 & the supposed hearing was on XX/XX/2010. Stenger & Stenger has not followed any of the proper protocols regarding the laws under the Fair Debt Act. Until, Stenger & Stenger can follow this laws put in place to protect all consumer ... there is no such case against Mr. XXXX. Also, I find that CFPB is not doing it job properly by investigating any part of these complaints. All CFPB is doing is submitting our complaint to Stenger & Stenger & allowing them respond & close this complaint. We can do this ourselves. CFPB is suppose to be here to help the Consumer regarding improper collection from bottom feeding Debt Collectors.
Product: Debt collection

I dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report. 

Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt. 

I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.
Product: Credit reporting

XXXX will not allow me to get my reports. Experian says I need to mail in the request and when I hit next the site times out and starts the whole process all over again.
Product: Credit card or prepaid card

XX/XX/2020 Spoke to XXXX requesting resolve of fraud on my account After 45 mins she had to transfer me as she could not understand I explained to XXXX I HAD XXXX  XXXX I COULD NOT HOLD PHONE MUCH LONGER WITHOUT THE PAIN  FROM HOLDING PHONE CAUSING XXXX  XXXX PLEASE I CAN NOT HOLD MUCH LONGER She treathened to send EMS to my home IF I DID NOT CONTINUE TO HOLD EVEN LONGER Please LOOK AT MY RED PAINFUL XXXX  XXXX! ( * How cruel to require me to HOLD OR ELSE SUFFER CONSEQUENCES * ) THIS ON LINE BANKING ONLY GIVES ME NO ACCESS ON LINE EITHER XXXX PEOPLE HAVE RIGHTS MY CIVIL RIGHTS DENIED ALL OTHERS CAN GAIN ACCESS USAA has been telling me for 2 years they will correct Then they send me to collections WITHOUT GIVING ME ANY ACCESS ON LINE OR BY PHONE AND TGEY HAVE NOT RESOLVED FRAUD/ID THEFT ON MY ACCOUNT
Product: Credit card

On XX/XX/XXXX at around XXXX CST, I purchased XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX dog treats for my foster dog, from XXXX XXXX XXXX in XXXX  TX. The total for the purchase, including tax, was {$43.00}. 
On XX/XX/XXXX, I checked the balance on my credit card to see what I owed and to verify when my payment was due. I noticed my balance was very high so I scrolled to see my charges and that's when I saw that the XXXX XXXX XXXX charged me {$430.00} for my purchase. I called the credit card company immediately and filed a fruad/dispute. I have contacted via online and on the phone several times asking about the dispute/fraud charge and they never give me an answer. 
This particular credit card does not give any options to enroll in text/email notices about charges, legitimate or fraud. This credit card does not give any way to keep track of the dispute, nor do they keep in touch with you regarding fraud/disputed cases. I have asked them to go through my spending habits on the card and see that # 1 I have never bought from a XXXX shop before and # 2 I do not make purchases as large as {$430.00} in one store.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both TransUnion and XXXX  to have these removed to no avail. I havent applied for credit since 2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXXBalance : {$0.00}
Product: Debt collection

I want to file a complaint against, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to XXXX XXXX XXXX XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX
Product: Bank account or service

Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time Scottrade responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

In 2013, XXXX Bank illegally offset my XXXX bank account when conspiring with their affiliates XXXX and as a result violated numerous provisions of California FINANCIAL CODE SECTION 1400-1411. 

I have requested XXXX Bank provide me information about how to file an arbitration case against Scottrade Bank and clarification over the arbitration procedures, potential conflicts, and problems, however, XXXX Bank has not responded. 

I would like Scottrade Bank to provide me with a copy of the original arbitration contract and full instructions on how to file arbitration against XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage was transferred from XXXX  XXXX XXXX to Carrington Mortgage Services. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. Carrington has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.
Product: Credit reporting or other personal consumer reports

My credit report is showing fraudulent accounts on it, that have already disputed and had removed from my credit report, since the accounts have returned I have disputed the accounts again and this credit bureau continue to let the fraudulent accounts and information remain on my credit report. 

These accounts have returned on my credit report with fraudulent address and a different company name, and this credit bureau is allowing it to remain. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also Experian is refuse to remove from my credit report fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint on SLS Servicing XXXX In XXXX, my lender was XXXX XXXX XXXX. I had a 1st mortgage and 2nd mortgage with XXXX XXXX. The bank was taken over in XXXX by the Federal Government. The FDIC sold XXXX XXXX to XXXX XXXX XXXX  in XX/XX/XXXX. In XXXX, I had some financial troubles and filled out a form for loan modification. In XXXX, my first mortgage was modified and the 2nd mortgage was forgiven and I was told that I never had to make another payment. I have paid my modified mortgage on time since that time. XXXX XXXX transferred servicing to SLS in XXXX and they would, periodically try to get me to pay the second mortgage. I would always dispute it and went on with my life because I knew what I was told and at that time had not made a payment in over 6 years. I filed for a refinance this month and was told by the closing attorney, per my title, that FDIC assigned my 2nd mortgage from the XXXX loan to XXXX XXXX in XX/XX/XXXX. Why would the federal government assign a loan that was forgiven to XXXX XXXX, 12 years later? The last payment made on this 2nd mortgage on XX/XX/XXXX. I was also told that XXXX XXXX  filed a subordination on XX/XX/XXXX. It really doesn't make any sense. SLS was trying to collect on this loan without success since XXXX, however, per court records did not receive an assignment until XX/XX/XXXX. I have repeatedly asked SLS for the assignment paper work for both loans and they have yet to send anything. Honestly, I think the assignment attached may be fraudulent. It reads like a scam. It is signed by a XXXX XXXX, who is not an attorney. The state and county are missing, yet they have a XXXX  XXXX. XXXX and SLS are the same company. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the inaccurate informations in my credit record that came about due to an alleged fraud : The following are seems to be an arror on my file that needs to remove : 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: Credit reporting, credit repair services, or other personal consumer reports

I am aware that I am a victim of identity theft, I have reviewed my consumer report through Experian and noticed there are companies I am not familiar with, reporting information to my consumer report which I am requesting to be blocked, as I am not responsible for this account. I will be providing all of the required documents to ensure this block can be executed immediately. 
The Accounts I am requested to be blocked are : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing a late payment reported on my credit account by XXXX Account # XXXX XX/XX/2024 and XX/XX/2024. 
According to 15 USC 1666b, creditors are required to send periodic statements with the information specified in 15 USC 1637b. I request that XXXX account # XXXX provide proof that these periodic statements were sent in compliance with these regulations.

Specifically, I request the following 1. Proof that the periodic statement containing the required information under 15 USC 1637b was sent to me.

2. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them.

3. Verification that the periodic statement was sent at least 21 days before the payment due date.

4. Proof that a negative information notice was sent regarding the late payment, as required by law.

I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.