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

This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. 

On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX  on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. 

Then, on XX/XX/2019, XXXX  adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX  account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. 

When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX  about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX   that the reason they deducted {$1000.00} from my XXXX  account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. 

I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX  and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft.
Product: Checking or savings account

Opened account and about 3 weeks later they advised that I didn't meet guidelines and would be closing the account. The account had a negative balance of - {$160.00} approximately. About a month later my employer mistakenly sent a direct deposit of {$370.00} to the account. On XX/XX/XXXX the automated phone system advised the direct deposit was rejected and would be send back to employer. On XX/XX/XXXX someone or the computer decided to deposit the funds I'm assuming to recover the - {$160.00}, however I am in chp XXXX bankruptcy and I do believe they can not collect. Also an agent that answered at the XXXX number of Chase advised that I made a voluntary payment to the account so I couldn't get the funds back. I said that since they decided to close my account I had sent to my employer an update for my direct deposit so no I didn't choose to voluntarily send funds to Chase. XXXX was rude and then he hung.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. 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 the error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial losses, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/23, the mortgage officer at my bank said I had 4 weeks to shop for other mortgage loans without it impacting my credit. On XX/XX/23, I confirmed this information with two different New American Funding agents. XXXX XXXX XXXX promised she would not do a hard inquiry and that nothing would be reported to credit bureau. I did not give XXXX permission to do a hard inquiry, but she did so without my consent. It is reflected on my credit report and has negatively impacted my credit score. This agent was deceptive and misleading and I feel New American Funding is not being ethical or law abiding.
Product: Money transfer, virtual currency, or money service

I purchased some concert tickets from this girl on XXXX. She insured me that it wouldnt be a scam that I could send her half at first and then she would initiate ticket transfer and then I would pay her the other half a couple days later I decided I wanted to buy two more so we did the transaction again. I tried to figure out how to get the tickets to my house by contacting the ticket holder and they said that she had to initiate a three-way call. 
I contacted her to let her know that and she said how do I do that and then that was it she never responded back to me after that and I continue to message her and got no response. After that, I started digging into her XXXX profile and saw that she was selling tickets all over the United States. She sent me a picture of a fake ID and a fake address. I contacted somebody that had been leaving angry faces on all of her profile pictures and she said that she got scammed as well but she got her money back. she reached out to somebody else that also got scammed by this individual so now I am working to try to get my money back but this person needs to be stopped. 
zelle has since told me that they wont be refunding me for this.
Product: Checking or savings account

I opened a Citizens One Deposit Checking on XX/XX/XXXX with an offer code to receive a {$300.00} bonus after making XXXX direct deposit greater than {$500.00} within 60 days. The promotion also included {$2.00} cashback per debit card purchase up to {$100.00} within 60 days. I set my employer 's direct deposit to deposit {$500.00} into this account which was received on XX/XX/XXXX. After that, I set my job to only deposit {$5.00} per paycheck. I had already fulfilled the terms to receive the {$300.00} bonus, and should have been on track to receive it by XX/XX/XXXX according to the terms. However, Citizens sent me a letter dated XX/XX/XXXX stating my account had been closed with no reason provided other than they " have concluded that we can no longer maintain our banking relationship with you '' and if I have any questions, to contact the local branch. It was signed " Sincerely, Fraud Operations. '' I could no longer login to my account from that point forward. 

I called the specified branch on XX/XX/XXXX and they said the account is actually open, and to regain access, it looks like identity verification is needed and I can go to the branch in-person with my driver 's license to have it sorted out. I went to the branch on XX/XX/XXXX where they tried to regain my access to the account, but were unable to. They said it is not Citizens who closed the account, but some federal fraud organization that did so due to the activities on the account triggering them to close it based on it looking suspicious/fraudulent. All I did was direct deposit money in from my employer, and then transfer it out to another external bank account in my name, so I do not understand what is suspicious about that. I have done similar activity with other banks and never had my account closed or flagged by a federal organization for fraudulent activity. Although the letter says, " we regret to inform you that we have closed the Citizens Bank account ( s ) referenced above. '' So was it them or the federal organization that closed it? They stated there is no manager in that branch and I could try another branch with a manager, who could file an appeal to the federal organization, but even then, it is not certain they can fix it for me. I am not going to another branch at this point. 

So Citizens did not give me reason for my account closure in the letter they sent, and then misled me when I called saying I could go to the branch in-person to have it fixed. All of this proved to be a waste of time because it was apparently not them who closed it, and to file an appeal I need a manager, which apparently not all of their bank locations have.

I completed the requirements to receive the {$300.00} bonus and right after doing so, Citizens closed my account ( or didn't, because the lady on the phone told me it's not actually closed and I continue to receive emails from the bank about the perks and benefits of my account ).
Product: Credit card or prepaid card

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have made multiple attempts to have my over payment in the amount of {$3200.00} refunded to me. I spoke to XXXX employee number XXXX a representative of JCPenny she stated that I can not have my money back because it is over $ 1000k. I am entitled to my money and they refuse to give me my money back. This has caused great hardship and I would like to be compensated in addition to what they owe me for the inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX and XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$50.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Description of Complaint : I purchased a sweatshirt, w/custom printed message, from XXXX, along w/a few other garments. The sweatshirt arrived in XXXX, too late to wear for XXXX. 2-words were misspelled, Turkey, spelled Tunkey & XXXX. The material and overall quality of the garments were of poor workmanship, the garments arrived w/out tags or an invoice & no return address on the package. I spoke XXXX XXXX , a XXXXn C.S. rep. I told XXXX I want to return everything I ordered for a full refund. I was told it was not necessary to return the items, I would receive a full credit. I received an email conformation from XXXX stating a full refund will appear on my PayPal account w/in 72-hrs ... 2-yrs have past & I'm still receiving statements from PayPal/Synchrony w/late charges & interest for this purchase . I've called, emailed and written PayPal/Synchrony numerous times over the past 2-yrs ; I forwarded photos of the garments, and the email from the merchant. PayPal dispute dept. stated they reviewed my dispute and ruled in the merchant 's favor. I received bogus merchandise from an unrepeatable online company in XXXX. I have documentation from the merchant stating my PayPal account would be credited in full. Synchrony said I could open another dispute. XXXX/XXXXXXXX, I received a notice from Synchrony stating they reviewed my dispute, for a credit not received, and again they ruled in the merchant 's favor, stating I did not return my order to XXXX, therefore I am responsible for the amount owned. The email correspondence from XXXX, XX/XX/XXXX, did not indicate a return of their merchandise was required, only that a credit was issued. PayPal/Synchrony failed to communicate the reason my PayPal account was still incurring this charge despite my numerous attempts to resolve this matter. PayPal/Synchrony has damaged my outstanding credit score due to their lack of interest in advocating on behalf the consumer. 

Billing adjustment ; Correction to a credit report
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX, XXXX XXXX, XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX, XXXX XXXX, XXXX has admitted that I was in fact a victim of this data breach and XXXX, XXXX XXXX, XXXX has done nothing.Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

Midland Funding filed a lawsuit against me on XX/XX/XXXX in XXXX XXXX, Alabama. I was never duly served with the complaint and a default judgement was entered against me on XX/XX/XXXX. 

I did not learn of the lawsuit or default judgement until my employer was served with a garnishment order on XX/XX/XXXX. I filed a motion with the court to set aside the default judgement to allow me to answer the complaint. XXXX XXXX set aside the default judgement on XX/XX/XXXX. 

The attorney for Midland did not have any evidence at the hearing to argue the case, so the judge set a hearing for XX/XX/XXXX. On XX/XX/XXXX, the judge set a trial for XX/XX/XXXX. 

On the date of the trial XXXX XX/XX/XXXX XXXX, the plaintiff ( Midland ) did not present any evidence to the court showing that I owed the debt or that they were the owners of the debt. The evidence entered was unsatisfactory to the court, as it had absolutely nothing to do with me. The attorney requested a continuance on the case to allow him time to gather evidence. The judge, reluctantly granted the motion, but stated that he would not allow any more continuances on this case and expressed his displeasure with the attorney for coming to court with no substantial evidence and stated that with his granting of this motion that the plaintiff better come back with evidence. 

After the trail on XX/XX/XXXX, the defendant filed a motion with the court to dismiss the case ( Apparently they had no sufficient evidence ). 

On XX/XX/XXXX, the judge entered an order ; dismissing the case in my favor. 

I have since then filed disputes with XXXX, XXXX  and XXXX to have all traces of Midland removed from my credit. XXXX  is the only credit reporting agency that has adhered to the judge 's order and removed this information. 

Midland should have themselves removed this information, yet they have made me jump through even more hoops to remove something from my credit that I do not owe them. This just substantiates the further harassment by Midland and their cronies.
Product: Checking or savings account

In  XXXX     2017 I r eceived a mailer fr om US BA NK stating the following : " Available nationwide, U.S. Bank is offering you a chance to earn a {$200.00} bonus when you open a new consumer checking account with direct deposit valid through  XXXX   XXXX ,    2017 wi th  promo code   XXXX . '' On  XX/XX/2017   , I called US Mortgage and spoke to a representative to explain the fine print On  XX/XX/2017    I opened my checking account online with USBANK.   I have since completed all the requirements and fine print, I waited the allotte d 6-8 we eks to receive my refund.   On  X/X/17    I spoke to various representatives and branch employees stating many different things from " we do n't offer that promotion '', " you need to wait more '', " your funds will be deposited on  XX/XX/17    ''.   On  XX/XX/2017   , I spoke to a representative named  XXXX  this morning and was told to wait some more.   This is a clear case of false advertising.
Product: Checking or savings account

On XX/XX/2019 upon attempting to make a deposit I was rudely treated by the Branch manager to which I responded in kind. At that time she claimed to forcibly close my account and did not do so. 

Upon contacting U.S. Bank I was informed my account was not closed and required me to come in person to do so. I was assured in person in XXXX my account was closed, during this time they continued to accept charges and assess fees for overdraft and maintenance despite never having over draft protections or ability on my account previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE AND REINVESTIGATE THIS ACCOUNT SO IT CAN BE IMMEDIATELY OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.
Product: Credit reporting

More than eight weeks ago, I called the number a consumer is supposed to call to request copies of credit reports from all XXXX credit reporting agencies. I gave them all of my sensitive information plus my current street address and telephone number. The XXXX probably has a record of my call, but I have heard nothing about the requested credit reports. I do not know what to do next.
Product: Credit reporting or other personal consumer reports

Experian is known for fraudulently reporting information and lying saying it was verified. I paid an account off on XX/XX/XXXX and they reported as of today the same balance stating the amount was verified. I have docs to show my balance is XXXX
Product: Debt collection

On XX/XX/19, Credit Management has responded VERY unprofessionally to my dispute from XX/XX/19. After asking for proof that i owe them or ANY signed agreements that i ever contacted them for a service and agreed to pay them, I received a response that they failed to investigate. Never have i seen a agency respond in a day after being requested to validate the debt they claim i owe them. 
In their response, they ADMITTED to trying to find a signed contract or any form of agreement from me, but COULD NOT! All they supplied are bills they made with my name on it and an address that is not mine! 

I will not stop until this illegal, unverified account is REMOVED from my credit reports. Their horribly unverified little account does not hurt my well established credit report, as I wouldn't have known they were reporting to the bureau 's until i signed up for a credit monitoring service. 

Credit Monitoring : 1. Show me proof that you are licensed to collect a debt in the state of Louisiana. 

2. Show me PROOF that I XXXX XXXX of XXXX, LA. XXXX, ever signed any agreements with Credit Management. ( NOT A BILL THAT ANYONE CAN TYPE UP WITH MY NAME AND AN ADDRESS ) I can type up a bill with their name and address on it and claim that " they owe me ''. Verification of spelling my name correct or any incorrect information they have on file for me is NOT what we're asking for. 

My lawyer and i will be using legal actions to sue if this unverified item is not removed from my credit report. I'd highly advise they do not write such a horrible response again and actually provide real agreements and not a bill with my name on it, above a residence i do not live at.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Synchrony Bank has been using my consumer report incorrectly. They have violated the FDCPA. They have communicated to several consumer reporting agencies such as XXXX, XXXX, and XXXX without my written consent. They have also reported my balance to these consumer reporting agencies which has negatively impacted my credit score. This unfair reporting is making me look like a risky and unreliable consumer. I am trying to buy home within the next few months and having a low credit score will make it difficult for me. I first made Synchrony Bank aware of how they violated 15 U.S.C 1692c ( b ) and along with other federal codes on XX/XX/XXXX. I sent off labeled exhibits and an affidavit via certified mail and green return receipt. Secondly, I sent off these same exhibits along with other documents which included an invoice via certified mail and green return receipt on XX/XX/XXXX. Within the other documents included a cease and desist. In that cease and desist I made them aware of how they did not have my written consent to communicate with any third parties and I demanded for them to do other things
Product: Credit card

XXXX access my credit file without permissible purpose and took action against me based on my non public information and lowered my credit limit which i had a zero balance with them at that point in time
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 

XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I filed a dispute with chime in regards to my account being hacked from a merchant called XXXX for a total of XXXX XXXX They denied my claim a few days later. I reached out to the Merchant and they said they never received anything from my bank. I called Chime and let them know what the merchant said and they reopened my claim. They denied my claim again today on XX/XX/year>. I reached out to the merchant again they said they still had not heard from them. I have no reason why they have not gave me my money. They have no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX