23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XXXX/XXXX/XXXX i made a transaction with XXXX of XXXX for XXXX dollars. i will describe myself as ( a ) and XXXX as ( b ). When the charge reflects on my on my account subject ( c ) which I never knew charged XXXX when I contacted ( b ) about the charge they stated that they only receipt XXXX and the difference was the banks charge. when I contacted the bank the first time they stated that there was a foreign transaction fee and also a conversion fee. when I contacted them again and told them that yes there is a foreign fee but that this transaction was not subject to a conversion fee now they state that ( c ) did not charge XXXX but XXXX. That is the complaint, that I am being overcharged by ( c ) when ( a ) and ( b ) agreed on price of XXXX dollars. ( b ) sells the product and ( c ) produces and delivers the product.On previous occasions I have made purchases from XXXX and never had a problem with them.
Product: Credit card or prepaid card

The issue is causing me significant XXXX  and XXXX to the point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo made erroneous credit report. See attached letter dated XX/XX/2017 to XXXX XXXX XXXX of Wells Fargo complaining about Bank Error.
Product: Debt collection

I recently discovered an account from Jefferson Capital Systems on my credit report, which is associated with XXXX XXXX for a balance of {$1600.00}. This account is fraudulent, as I never opened or authorized any account with XXXX. The account was allegedly opened on XX/XX/XXXX, and marked as past due in XX/XX/XXXX. However, I have no knowledge of this account, nor did I make any transactions related to it. 

This is a clear case of identity theft, and I am requesting the immediate removal of this account from my credit report under the Fair Credit Reporting Act ( FCRA ) 1681c-2, which requires the deletion of fraudulent accounts upon notice from the victim. 

Actions Taken : I am formally disputing this account with all three credit bureaus ( XXXX, XXXX, and XXXX ) and requesting that it be removed. 
I am requesting Jefferson Capital Systems to cease collection efforts and delete the account immediately. 
I am providing an identity theft report to support my claim. 
This fraudulent account is damaging my credit and preventing me from obtaining financial opportunities. I expect an immediate investigation and permanent removal of this account from my report.
Product: Credit reporting

Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -As u can see ... XXXX is reporting XXXX on XXXX site and XXXX on there own ... .not good or consistent.
Product: Credit card or prepaid card

Last time I was not quite accurate. My wife, using my data, opened this account without my knowledge. I do not refuse to pay the debt. The only thing I want is for you to remove this account from my credit history after payment.You must understand I can't go to police and make police report or identity theft because my wife used my documents. I still want her be at home and not in prison.
Product: Mortgage

On XXXX XXXX from Rocket Mortgage called about trying to refinance my home. He asked me some questions and I answered yes or no. He then when on to state that he was going to look at my credit to see what he could offer me. Never once did he ask for my permission to run my credit. After I hung up with him I got a hard inquiry on my credit. He texted me his contact info where I responded to him that I did not give him the ok to pull my credit. He said he did and apologized for misunderstanding. I then called and got a manager who reviewed the call and also stated I gave him my last 4 of ss # and gave him permission. The manager refused to remove the hit from my credit bc she said I did give him the ok to pull my credit. The way he spoke was very misleading and against the law. I tried to fix the situation but they said after review they cant remove this from my credit. I in no way have him permission to pull my credit I have a loan there and the way he spoke I thought he was reviewing my credit report where I had refinanced not to long ago not that he was actually pulling a new credit report. I requested copy of the call and was told I cant get that unless requested by an attorney.
Product: Debt collection

Last spring I went to XXXX XXXX XXXX here in XXXX, GA and had XXXX XXXX XXXX. They offered me a no interest payment plan which I accepted. When the Government Stimulus check came in, I contacted the dental office and paid my bill in full. ( I have verified this over the phone with them ). I have since received 2 bills seeking {$190.00} from AmerAssist, the most recent dated XX/XX/2020, for payment of the bill to XXXX XXXX, threatening to turn me over to a collection agency. I went to their website at XXXX and it said they have no business with me. So I called their phone number ( XXXX ) to find out what was going on. The women who answered forwarded my call to a voicemail box. I tried to call back to speak with a real person and was informed that I was unable to complete my call as dialed. I have since researched AmerAssist on line and founded that this is not an unusual occurrence for them. I did not pay them any money but I AM concerned that Seniors may be duped into paying money that they do not owe by this practice. Thank you for your attention in this matter
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX I did a manual translation for {$450.00} and another manual transaction for {$110.00} at XXXX. I did these transactions manually as the customers entered the card information not me. All my transactions are legit not theft, fraud or money laundering. They have yet to give me a reason for closing my account after I asked twice and they are also saying they wont give my money until XXXX days after XX/XX/XXXX. Why is square holding my money this long? Why did you guys close my account? Im so confused Ive been using square for about XXXX years.
Product: Debt collection

My medical debt was paid by me on XX/XX/XXXX {$680.00} to Harvest Associates Inc and I received a receipt it was paid. Requested it to be removed from my credit immediately. 
Called my medical insurance company on XX/XX/XXXX and was told they paid the debt as well on XX/XX/XXXX {$650.00}. I requested a transcript of all medical payments for XXXX since I never received them. 
I contacted XXXX XXXX XXXX XXXX XXXX and was told they did not know how to retrieve the virtual payment online, per the associate. Per a three way call with XXXX XXXX to my insurance company. I was able to get the insurance company to stop pay and reissue the payment sent on XX/XX/XXXX. Did three way call again another 2 times for payment to be reissued. 
Faxed copy of payment receipt to XXXX XXXX XX/XX/XXXX. My Insurance company would not allow me to cancel a payment to be reissued. Had to come from XXXX XXXX. 
Tried to get my insurance company to make the payment to me on XX/XX/XXXX was told the XXXX XXXX XXXX billed them it had to be paid to them. 
I faxed XXXX XXXX copies of receipt from Harvest Associates payment on XX/XX/XXXX and XX/XX/XXXX. Did not receive any contact from XXXX XXXX until XX/XX/XXXX requesting payment and I explained the issue again. 
I received a text to pay the {$25.00} co-payment on XX/XX/XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX to tell them again the bill was paid in full to Harvest Associates and I will not be paying the {$25.00} co-payment until I receive a refund of {$680.00}. 
Per XXXX XXXX XXXX no one reported to them it was ever paid. Per XXXX XXXX they contacted Harvest, on XX/XX/XXXX was waiting on response. 
On XX/XX/XXXX XXXX XXXX sent them a copy of the receipt again and was told it had to be researched. Not sure why, its a receipt they provided to me on XX/XX/XXXX. Called Harvest on XX/XX/XXXX, to avoid this letter and was told I would get a call back on Friday XX/XX/XXXX or Monday XX/XX/XXXX with a refund status. The owner that cuts the checks will be out till Friday XX/XX/XXXX or Monday XX/XX/XXXX. No contact from Harvest. 
I feel Ive been a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX   XXXX    . The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of the  XXXX  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit for  two y ears now. I am unable to get this fixed. Please help.
Product: Checking or savings account

My checking account at Umpqua bank was closed without any formal letter or information on XX/XX/year>, the last time I went to my online banking was XX/XX/XXXX. 
Since that date I been waiting the cashier check for the balance of the closed account. 
Im not US resident to go to a branch and request the balance, Im XXXX living in XXXX, and I dont have any plan trip for this year.
Product: Debt collection

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC.13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note the enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XXXX, XXXX, XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 

Please be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State, & Federal authorities, the CFPB, XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Kansas medical privacy rules .

I also hereby reserve my right to take private civil action against you to recover damages.
Product: Bank account or service

On XXXX XXXX, 2015 we visited Bank of America Branch in XXXX, CA. 
I wanted to access my safety deposit box. 
For 45 minutes the clerk " XXXX XXXX '' was unable to locate my safety deposit box. Although the week before I was at the same branch where I had retrieved the documents from the safety deposit box but on that day I was planning to return it. 
Then the manager named " XXXX XXXX '' approached us. She was very abrasive and rude. My XXXX year old son was getting upset and crying. I asked XXXX XXXX to lower her voice and be polite. She was not been polite and continued her abrasiveness and aggressive behavior towards us. 
She even claimed I have no safety deposit box. 
Then after an hour they found my deposit box which they admitted they had written all my information wrong. 
I did file a complaint right there and did let them know that their unprofessional behavior is not acceptable. 
Their incompetence caused my son and myself a great deal of stress and discomfort. 
She said contact their Area manager. I called XXXX XXXX XXXX numerous times. he never returned my call.
Product: Debt collection

I had a medical bill which was XXXX XXXX XXXX 's Hospital for {$1200.00}. XXXX XXXX 's gave me a 50 % discount if I paid it by XXXX XXXX XXXX, Which would make it {$640.00} so I went ahead and paid it. Then I got a bill from Global Receivables Solutions , Inc . I called them and told them it was already paid and they should contact XXXX XXXX XXXX Hospital about this, I also contacted XXXX XXXX 's and told them about Global Receivables. I have called over XXXX times about this mater to get it resolved, XXXX XXXX 's says I do n't owe anything but Global Receivables wo n't stop calling me I keep telling them they should contact XXXX 's but they get rude, the last time the man hung up on me.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account on XX/XX/2020 with XXXX XXXX XXXX  and account number XXXX. It is now XX/XX/2020. It has been over 4 months and I have not heard anything back from Equifax. This is totally unacceptable and exceeds the extension deadline given because of Covid-19. They have broken laws set in place to protect consumers. Equifax needs to delete this account from my consumer report for failure to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$170.00} to my mother as rent payment. On XX/XX/XXXX I filed a dispute with my bank for a transaction I made with my debit card, during the process of filing the dispute, my bank ( XXXXXXXX XXXX  ) accidentally filed a dispute for the transaction to my mother through cashapp ( Square Inc. ). My Mother notified me on XX/XX/XXXX that the {$170.00} was reversed on her bank statement as a payment to me because of the mistake made by my bank during the dispute process. I contacted my bank on XX/XX/XXXX to close the dispute. I also contacted cashapp support were I was assured that I would receive a refund for the {$170.00} that was sent or because I closed the dispute, the funds will be sent back to the original payee. The funds were supposed to be released to my bank or sent back to my mother on XX/XX/XXXX but neither of us have seen the funds in our cashapp accounts or bank accounts. 

After contacting my bank they notified me the dispute is closed and they never received any funds from Square inc or cashapp for the amount mentioned for {$170.00}. Originally when I reached out to cashapp about the refund or repayment, they claim they are the communicating with my bank about the disputed amount ( even though the dispute is closed ) yet I was told on multiple occasions the funds would be sent back the payee or refunded to me. After contacting Cashapp support for the past two days, they now say, they do not see a transaction for that amount and there is nothing that they can do besides take a complaint.
Product: Bank account or service

An overseas representative at Chase Bank illegally and illegitimately flagged my account for fraud and charged off my account after I requested to speak to a supervisor. Chase now refuses to correct the issue, and has been holding my money for more than a week. Chase refuses to investigate this employee or undo this. Chase 's rogue employee has severely damaged my business, my credit, and has violated innumerable laws. The complaint originated because Chase has not been recognizing deposits or transfers from other banks in a timely manner, and has thus charged overdraft and associated fees. Additionally, Chase was requested multiple times to stop charging an administrative fee which did not even apply to my account. Since this fee was never removed or credited, all of the other overdraft fees are invalid, since once reapplied, the account was in a positive balance at all times. Additionally, at the time of the closure and charge-off, Chase was in receipt of more than {$3000.00} in direct deposits and instead of recognizing them in a timely manner as proscribed by law, they instead closed and charged of the account, and only recognized the deposits at XXXX, subsequent to them flagging, and charging off my account. This all happened in a XXXX hour period overnight.
Product: Debt collection

I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a notice of late payment identifying a mortgage amount with which I was unfamiliar. The notice indicated I was late on a payment of {$5200.00}. My monthly mortgage payment up to that point was {$4500.00}. The change was apparently due to an increase in my mortgage escrow. I never received notice of the change. As such, my regular payment was made but it Key identified it as late because was short. When I called, on XX/XX/XXXX, I realized this and asked the agent to advise me as to how much I needed to pay to make up for any shortage. He told me i needed to pay {$680.00}. I paid it. 

Evidently, the indication from KeyBank to pay {$680.00} was incorrect. Unbeknownst to me, I also owed for XXXX as the escrow had increased for that month as well. The agent failed to indicate all amounts due at the time and I only paid one payment of {$680.00}, despite the fact that two such payments were due. In addition, the agent failed to apply the payment so it evidently sat in my account as an unapplied payment. When I independently checked my credit I noticed a late payment identified by KeyBank to the credit reporting bureaus. I called and asked for that reporting to be corrected as being in error, however, was told that would not be done. 

This is infuriating. In addition to contacting the CFPB, I will be reaching my state 's attorney general 's consumer complaint department. Please rectify the erroneous reporting to the credit bureaus immediately.
Product: Checking or savings account

there was fraud on my account and they gave me a provisional credit, I did not authorize this amount, they said I did and took the money back out of the account causing my account to be in the negative and refuse to look into this and reopen the case with the evidence I have. I have filed a small claims suit against keybank
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 

I have also attached an overdraft later showing Ive had the account prior to XX/XX/year>.