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

Today, I contacted JPMORGAN Chase regarding an overdraft in my account which caused a domino effect in extensive NSF fees totaling {$200.00}. I explained my situation where my account is blocked from making mobile deposits & that I have to funnel deposits through a savings account then make a transfer the next day ; in addition there are no Chase locations within over XXXX miles of where I live. I also explained that I have no source of income & currently out on XXXX. I pleaded if as a courtesy they can work with me in reversing some of the fees since this will cause additional financial hardship. The rep said they would only reverse XXXX {$34.00} fee. I spoke to 2 other senior reps not Supervisors or managers & they refused to help me further. I was even denied to speak with a manager in customer service. Now I am out a total of {$270.00} because of this block on my account to make deposits & because the bank pays out a check for {$140.00} first then charges for each additional item ( which in my case were small amounts of {$10.00}, {$20.00}, {$7.00}, etc ). The fees were XXXX the amount of the debits. The bank makes money on each NSF fee accessed in retail banking meanwhile the bank reverses fees in other departments like XXXX, Government banking, etc. When I worked at the branch level I reversed fees as a concession to customers all the time ( especially if there was a hardship sitatution ). 
I am a XXXX single mother to XXXX children with no source of income & my bank who I 've been with for years in which I trusted basically does not care that they took food out of my children 's mouths. It 's a shame how the poor customers like me are robbed with these astronomical fees while the wealthier customers get all their fees reversed with no problem. Ithe seems like discrimination & unfair business practices when you have a set policy for one area & another policy for another. It is 1 bank & every customer should be treated as a valued customer. I know this for a fact in my former experience working with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. One Main Mortgage reported the account paid in full. XXXX reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR THREE YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.
Product: Credit reporting or other personal consumer reports

This company ( PayPal ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a 90 day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.
Product: Credit card or prepaid card

My closing date for my billing cycle at Bank of America is on the XXXX of every month. I made the payment on the XXXX of XXXX and the payment has not been reflected on my account, as of XX/XX/XXXX. I also made a payment transaction on the XXXX of XXXX. I was told by a representative that it would be reflected as a transaction on my XXXX statement, however it did not reflect on my XXXX statement as a payment payment until XX/XX/XXXX, which is the next billing cycle.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX XXXX
Product: Mortgage

I have had a second mortgage with Bank of America for years now. My payment is $XXXX due by the XXXX  of each month. I always receive a statement and since I bank with Bank of America, I simply transfer the funds by bill pay. For July, I received a statement for the month and I made the payment from bill pay on XX/XX/2019 in the amount of $XXXX. The money was removed from my account within 24 hours as usual. On XX/XX/2019, I received a notice from XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX indicating that my loan had been transferred from Bank of America  to their company and any payments after XX/XX/2019 should be paid to them. Well, on XX/XX/2019 I made the payment to Bank of America per the statement that I received. I contacted XX/XX/XXXXto advise and was told that they didn't have the payment and they were my new servicer. XX/XX/XXXX doesn't have the payment and Bank of America claims as of XX/XX/XXXX the account has been closed.I have been going backwards and forwards since then trying to locate the monies with no avail. XX/XX/XXXXsent me a statement for August indicating that the July payment is still due. Bank of America is oblivious of the payment even though the payment was deducted from my Bank of America checking account.I need to either have the payment sent to XX/XX/XXXX or the money put back into my account so that I can pay XX/XX/XXXXwithout late fees.See documents enclosed for verification.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX, a payoff payment was mailed to PayPal/Synchrony with a statement included. The check came from XXXX XXXX in the amount of {$2900.00} ( it was part of a cash-out refinance ). According to XXXX, the check cleared on XX/XX/XXXX. I've opened a dispute with PayPal/Synchrony and attached the check provided by XXXX. There was very little communication and my dispute was suddenly closed without any additional information. I sent proof of the check to PayPal/Synchrony . I've opened another dispute, but have little confidence it'll be resolved, as the customer support at PayPal/Synchrony is very poor. Also, I mailed 11 other payoff checks to various credit card companies and banks, and all were successfully received/applied. If you need to reach XXXX for further proof of the check clearing, they can be reached at XXXX. I'm at a loss, as the {$2900.00} was part of a cash-out refinance to clear up debt. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX account # XXXX, account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer agency can not furnish a account without my written instructions
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 : XXXXXXXX XXXX XXXX : Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX a U.S. National of the united states of America XXXX XXXX XXXX XXXX XXXX. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  inaccurately and reaging added 30day late payment to my account. Transunion, XXXX, and XXXX  has not deleted this account despite multiple inaccuracies with this debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is a fraud company and advertising falsely that you can see your credit information on the credit check total. However, I have same day reports from Experian and credit check total and it's not the same. I've paid for months for this fraud service and now I see it's a total scam.
Product: Debt collection

XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim.
Product: Debt collection

My mother received a call from Western Portfolio Asset which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this XXXX individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Im currently waiting on a response from them and they still have not replied. I reported these accounts to be fraudulent identity death and they still have not took this off my credit. 

Above I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 
XXXX was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
Inaccurate or false information on consumer reports can threaten consumers ' which is your company! 

Thes hard inquiries were taken off of equitable and transunion but yet their still on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my mental capacity and I wish to have the account removed, along with the lates.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX Kansas XXXX, MO. XXXX ( XXXX ) XXXX XXXX XX/XX/year> Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Complaint Regarding Unauthorized Bank Withdrawals To Whom It May Concern, I am writing to formally lodge a complaint against Harris & Harris for unauthorized and unlawful withdrawals from both my personal bank account of {$980.00} account ending in XXXX and my sons bank account of {$8.00} account ending in XXXX on XX/XX/year>. Case number XXXX. These actions constitute a clear violation of federal and state laws governing fair debt collection and consumer protection. 

**Violations Committed : ** 1. **Unauthorized Transactions : ** Funds were withdrawn from my and my sons bank accounts without prior authorization, proper notice, or legal justification.

2. **Violation of the Fair Debt Collection Practices Act ( FDCPA ) : ** Unauthorized debits from my bank account violate 15 U.S. Code 1692f ( 1 ), which prohibits the collection of any amount not expressly authorized by an agreement or permitted by law.

3. **Violation of the Electronic Fund Transfer Act ( EFTA ) : ** Under 15 U.S. Code 1693e, preauthorized electronic fund transfers from a consumers account require clear authorization, which was not provided in this case.

4. **Unfair and Deceptive Practices : ** Such actions may also constitute unfair and deceptive trade practices under the applicable state consumer protection laws.

I demand an immediate refund of the unauthorized amounts withdrawn, along with a full written explanation detailing the reasons for these withdrawals and the legal authority under which they were conducted. Furthermore, I request that Harris & Harris cease and desist from any further unauthorized transactions against my or my sons accounts. 

If this matter is not resolved promptly, I will be compelled to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney Generals Office, and pursuing legal remedies. 

I expect a response to this complaint within ten ( 10 ) business days from the date of this letter. Please provide a written resolution to this matter at your earliest convenience. You may contact me using the information listed above. 

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

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

One main financial didn't lend me anything I created money with my signature
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Coinbase and Coinbase PRO accounts were accessed without my approval and apparently without 2 factor authorization. Unauthorized and fraudulent transactions were made in both Coinbase and Coinbase PRO accounts resulting in {$200000.00} worth of crypto currency being siphoned and stolen from my accounts. I immediately contacted Coinbase on XX/XX/2022 to notify them of this activity and the multiple unauthorized transactions of under {$10000.00} each. I was just assigned a Case Number that Coinbase states that they will reference while taking 30-45 days to investigate my case. That number is XXXX.
Product: Checking or savings account

HI, i HAVE A ACCOUNT WITH pnc bank. It started with a transaction of with XXXX XXXX.I was trying to get a loan in which for months it went nowhere.I had paid them XXXX to get my loan then in turn stated it would continue to send them money.XXXX then XXXX I ended up going through another place due to them requesting money. I paid that company XXXX the XXXX and got a new place.I disputed this with pnc back in like XXXX or XXXX and now in XXXX, My account went negative. Not only did they make it so that I got several XXXXlike 5 or 6 of them to make my account negative for that fraud XXXX that I disputed and did not hear back from them for months. I disputed it again and the lady filed something on it. That company that plans gave my money to did not perform a job for me and I requested my money back hired a realtor who got me in a home without a loan and I paid it off. Now when pnc made my bank negative I had already got my social security check paid all my bills and that was several days before they posted this XXXX negative then gave me XXXX fees like 5 or 6 times made all my bills negative for this fraud XXXX that was disputed and I never dealt with that company after instead hired a realtor who got me in a home and now pnc made my account negative multiple times to get XXXX times 5 or 6 plus that XXXXI want the negative removed.I did not hear back from pnc to this account until XXXX when it was disputed months ago due to fraud.I want my money that was already in the account that was taken and the account fixed.I do not owe that company any money and I will not pay for a fraud item.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity been compromised. 
A mortgage was taken out in my name. 
Also there is some listing of a bankruptcy filing. 
I have never filed any bankruptcy of any kind ... period. 
The credit bureaus have removed the fraudulent mortgage already. 
The credit reporting agencies have had me confused with a XXXX XXXX out of Washington State or somewhere. 
There are accounts on my credit profile that do not belong to me. 
I feel I have followed the law in obtaining a police report and filing the proscribed affidavit from the federal trade commission.
Product: Credit card

The credit card issued by HSBC is in my name ; however, it is under my ex-wifes account. I have asked my ex-wife to close the account but she does not appear to be dealing with this. The account has a XXXX balance and has had no activity for 4+ years. 

I have written to HSBC multiple times asking them to close the account with absolutely no response. 

I simply want the account closed. I don't even know the full account number- it ends XXXX
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 XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX, has violated my rights XXXX 

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 XXXX 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.