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

Discover card was deceptive on their terms concerning a credit card I opened with them in XXXX of 2022. They gave me a credit limit of {$2000.00} which I have been using over the last 9 months. They froze my account suddenly and requested form XXXX to be able to look at my tax returns. There is no fraud on the account and I am current on it. I contacted them and was informed that this was standard protocol now for them. The email that they send out about this also looks like a deceptive phishing email from a XXXX party. This all seems highly invasive for a small credit limit. This is a huge invasion of privacy after the fact, as they did not request this upfront before extending credit. There was no mention of it. Tax transcripts are an excessive request and had they requested them before extending me credit that I used, I would not have decided to do business with them. I simply would not have trusted them to keep that information safe as do state in there user agreement that they sell data. Also, I file my taxes jointly with my wife. Asking my wife to provide her sensitive financial information for me to keep the account is not a reasonable request. She is not financially or legally obligated to comply. They will close my account if I do not fill out the form, thereby negatively affecting my credit and finances. This is a very deceptive business practice. I would not have opened an account with them had they asked for this info before approving me. Asking for tax transcripts 9 months after you have opened an account and threatening to harm your credit, is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, one main, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a item on my credit file multiple times and it showed deleted and it still reflecting on my credit file
Product: Checking or savings account

On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. 

I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. 

I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. 

I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. 

I contacted PNC again to begin the dispute process which had a reference number of # XXXX. 

{$450.00} was credited to the account until the dispute was resolved. 

XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. 

I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. 

On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. 

I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. 

I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.
Product: Checking or savings account

I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for XXXX days, Citi Bank would give me {$400.00} within XXXX days after the XXXX day balance requirement was met.

I opened my account on XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. XXXX day requirement was met two months later in XX/XX/2018. XXXX days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me and opened a case to investigate. Case was opened on XX/XX/2018. I called again on XX/XX/2018 as I did not receive any updates. The customer service representative had no updates and had no information on the investigation. The representative told me to continue waiting. The representative offered to open another investigation, however could not provide a timeline of when the investigation would be resolved.

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with XXXX XXXX years ago. I have been a victim of false advertisement on numerous occasions. I was told I had a pre approval based on my credit ; just to get denied for credit cards or a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX has XXXX Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/XXXX
Product: Consumer Loan

I recently had a loan paid off with Wells Fargo for my auto loan. I have been trying to reach Wells Fargo in regard to an over payment to my loan, and have received no response. I have called several times and submitted an email to Wells Fargo Dealer Services with no return contact.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2024 at XXXX AM - XXXX $ is sent from my boss XXXX but I am not able to cash out the amount to the bank to cover overdraft fees. This leads me to incur XXXX $ in overdraft fees that week due to a disruption in my cashflows for the week or XXXX weeks. 

I uploaded my XXXX passport multiple times at the beginning and present date of using cashapp. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue.

XXXX XXXX, 2024 - I called cashapp customer support ( can't communicate through app because phone not working ). I was misled for XXXX and told I can not record calls or they automatically hangout. I record call and do not tell them I am recording. I either get a no response, XXXX or deflection from XXXX issue onto a non-existing issue. 

I also suspect my data from pictures is being used against my consent to build a profile and there are agents purposefully acting against me as this is not a first time encounter across different money XXXX XXXX Providers I currently have no money available to me except the XXXX $ locked up in my cashapp account. I can not cashout to my bank because it has a debt of XXXX $ due to a snowball effect of reasons that originate from the XX/XX/XXXX incident and loss of face with my boss a couple of times, leading them to lay me off.
Product: Credit card or prepaid card

I purchased an item on XX/XX/2023 in the amount of {$1600.00}. I tried to return the items & couldn't. I disputed the charge with XXXX XXXX and the dispute was not resolved in my favor. I've paid for this. On XX/XX/2023 I was incorrectly rebilled the amount of {$1600.00} for the same company. I contacted XXXX XXXX and XXXX them about this inaccurate duplicate rebilling and was told that they had to open another dispute. I've not been given any conditional or other types of credits. I've not been given any assurance from XXXX XXXX that I won't be responsible for the duplicate rebilled charge and I don't trust them to accurately investigate this situation. This is an error on XXXX XXXX part. 



I
Product: Credit card or prepaid card

XX/XX/XXXX - called fidelity card service dispute to confirm the reasons behind not honoring my dispute ; they confirmed that the reasons will be sent to you in another week XX/XX/XXXX - I was told by customer service representative that dispute over 60 days from transaction posting won't be entertained. Challenge her on future transactions but she stood the ground pointing to the billing statement wording " You must contact us within 60 days after the error appeared on your statement. '' XX/XX/XXXX - called fidelity cards service and was told that a representative from disputes will call back XX/XX/XXXX - dispute transaction credit reversal in the amount of {$120.00} XX/XX/XXXX - mailed via USPS the form with details on dispute XX/XX/XXXX - dispute transaction credit in the amount of {$120.00} XX/XX/XXXX - called fidelity cards service asking for help as the vendor was acting smart and not responding to the settlement XX/XX/XXXX - transaction made with XXXX XXXX XXXX CA for {$180.00} towards XXXX XXXX classical violin classes at the cost of {$15.00} per class
Product: Debt collection

someone i NC used my ss # to open a cable service and now they say I owe them I've called and talked to them I've never lived in north Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account list below violated my ferally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency furnishes an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the reporting 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Per the ( Privacy Act of 1974 ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 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 I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}, {$4900.00}, {$19000.00}, {$8500.00}, {$960.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$920.00} -This is not my account. 










2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Bank account or service

I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. 

Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. 

My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? 

Any help in clarifying this matter for me would be greatly appreciated.
Product: Credit card or prepaid card

Recently noticed my American Express card interest rate was raised from 16.74 % way way way up to the max of 29.99 % without proper cause or notice.

I made several attempts to resolve this through AMEX chat portal but it seems AMEX CHAT is being used to stall my attempts at a resolution and to wear me down by continually providing irrelevant answers and by continually passing me unto different departments who claim unable to answer, then to different representatives who claim unable to answer a direct question. 

Note : I am already warned down, my wife has very serious health issues, besides XXXX XXXX, XXXX, she is now on XXXX. Which is very draining on both of us. I am XXXXyrs. old and her primary care-taker. I am not sure if anyone understands how overwhelming and exhausting it is to care for someone in my wifes condition. 

For example : she literally has over 15 different medications to take every day. Some must be altered daily. As a result of all these meds & her medical condition, Her memory is not good. Therefore, her medication intake must be monitored. 

Another example : The medical professions routinely make mistakes. Just last week while my wife had a dangerous XXXX XXXX  while getting her XXXX   treatment. I had to scramble immediately to save her life. A nurse FORGOT to administer her required XXXX XXXX. 

When I asked AMEX if a notice was sent to me concerning the increase, AMEX responds that it was. However I have no notice in my emails, in AMEX messaging center or via mail that properly describes the action AMEX had taken.

Also AMEX claims my interest rate was raised in XXXX because a payment in XX/XX/XXXX LATE PAYMENT WARNING : If we do not receive your Minimum Payment Due by the Payment Due Date of XX/XX/XXXX, you may have to pay a late fee of up to {$38.00} and your APRs may be increased to the Penalty APR of 29.99 %. 

If that is true, Why wait until XXXX? 

Yet, A payment was made to AMEX on XX/XX/XXXX for {$500.00} Also the above note is NOT proper notification, it is a warning of actions that may or may not be taken. 

I do not believe this was a simple error, the computer programs today are far too advanced for this to be an error. Most people with the proper insight know this. SO please do not allow them to try passing this off as an error!
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX IA XXXX Dear Consumer Financial Protection Bureau, I hope this correspondence finds you well, I am writing to formally lodge a complaint against XXXX  XXXX XXXX concerning the abrupt termination of my account without prior notification or justification as well as their obstruction of lawful transfers. 

My account particulars are as follows : Account Holder : XXXX XXXX Account Number : Last year, my personal account with Navy Federal Credit Union was unilaterally terminated without any prior notice or explanation. Despite multiple attempts to obtain clarification from the credit union, I have not received a satisfactory response. This has caused significant distress and uncertainty regarding my financial standing and stability at Navy Federal Credit Union.

Additionally, I attempted to transfer funds from one of my other accounts to my personal account at Navy Federal Credit Union. However, I faced active obstruction from Navy Federal Credit Union, which seems to be preventing clients from conducting any transactions other than those that benefit Navy Federal Credit Union, such as extending credit to them or dealing with their approved banks. I believed my account was personal, but now I'm unsure about its nature at Navy Federal Credit Union. This conclusion has raised serious concerns about the management and security of my funds.

Furthermore, I am increasingly concerned that Navy Federal Credit Union may be unable to meet its obligations to depositors or creditors. The value of a personal account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and any investments linked to the account or profit generating schemes such as fractional reserve banking. This adds to my apprehension regarding the security and management of my funds. 

Previously Navy Federal Credit Union has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. However, since I signed this agreement on my own without any negotiation, it is neither appropriate nor legally valid for Navy Federal to enforce it. This behavior is misleading and deceptive.
Product: Debt collection

I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX from debt collector TRANSWORLD SYSTEMS INC. The letter stated that this collection agency was representing XXXX XXXX XXXX XXXX in XXXX, TN. in collecting the deliquent sum of {$3600.00} that covered six different bills I supposedly owed XXXX XXXX XXXX XXXX. I called the billing department for XXXX XXXX and a representative named XXXX told me I owed no such amount to this facility, had no bill in collections and that XXXX specifically doesn't use TRANSWORLD for any debt collection they do file against patients for unpaid bills. I recorded the entire conversation with XXXX and XXXX in the billing department. I called TRANSWORLD at the contact number on the letter of XXXX. The account number for the false debt is listed as # XXXX. After being on hold for one hour, a TRANSWORLD representative who would not identify themself immediately asked me for my account number which I gave him and he immediately asked me how I was going to pay for the amount owed to XXXX. When I told the TRANSWORLD representative that I had talked directly to the XXXX billing department and had them recorded stating not only do I not owe the amount stated on the letter but that their billing department doesn't use TRANSWORLD for collections in any way, shape or form. The TRANSWORLD representative became belligerent with me on the phone and said the information XXXX gave me was wrong and that if I didn't pay the amount listed on the letter, the debt would be reported to all three credit bureaus and ruin my credit rating. When I asked the TRANSWORLD representative if that was a threat to force me to pay a bill I don't owe, he stated it was fact and TRANSWORLD would do it. I immediately stated I would contact all three credit bureaus about this Fradulent bill plus contact my personal attorney. The TRANSWORLD representative stated he could care less what I did and either pay the bill or have my credit ruined by their company. I demanded a supervisor and the TRANSWORLD representative stated that he wasn't wasting a supervisor 's time on a debt that was owed by me. The representative immediately hung up on me when I asked for a supervisor a second time. Please assist me in stopping this collection agency from ruining my credit with a bogus medical bill that doesn't belong to me and I don't owe to XXXX.
Product: Checking or savings account

Chase closed my account. And they're holding my funds. No explanation as to why the account was closed.
Product: Student loan

I tried to get my consigner released Navient said I had to make payments for 12 months. 
I tried to lower my payments they told me only if my consigner could n't pay then I could maybe lower my payments. I sent my information over never got a lower payment. I also asked about the loan consolidation plan with my federal loans they told me it did n't count on private loans but I originally was told it did.