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

XXXX made an atm deposit at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 

there was a XXXX XXXX money order {$800.00} check included in the deposit. 

Received a letter from TD stating the Monday order was illegible. 

Went to the local branch and ask why it is illegible, teller name XXXX said the check was lost and she will write to XXXX demand a credit. two weeks later still no respond. 

Now the case was transfer to supervisor XXXX XXXX XXXX, she said there is no phone contact to the atm department and only thing she can do is email but still no reply? She said there is nothing else she can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report from banks are inaccurate and need to be removed
Product: Debt collection

This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
.
Product: Debt collection

Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX  account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please block and remove per 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I attempted to get my free annual credit report and was only provided with my XXXX and XXXX and I got an error message that my Equifax report was not available. I went to the Equifax website to attempt to login only to get an error message telling me to call XXXX for assistance. I called the number and no one has been able to tell me why I cant access my account and that the would proceed to open a ticket and will call or email me when the issue has been resolved. I spoke with someone on XX/XX/22 who assured me the issue was resolved yet I am still not able to access the account. I called Equifax again on XX/XX/22 and spoke to an agent who told me that I needed to send if all this proof of identification to open a case to " see '' why there was a block on my account but couldnt tell me if the issue can be resolved. I spoke to someone in the Consumer Affairs department and they still cant get it resolved and have continued to open tickets that never resolved the issue. I cant even access my Equifax reports from XXXX party sites.
Product: Credit reporting

Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX.
Product: Debt collection

The information supplied is incorrect. No debt is owed. That was not my account number. My account number was XXXX I have not had XXXX XXXX XXXX  since XXXX. I moved and their service was not avail at my new location. I told them this prior to moving and they confirmed I owed nothing else. In spite of that XXXX XXXX XXXX continued to bill and tthreaten legal action and after 2 years of arguing with their staff. They saw sense and XXXX out account. Fast forward 5 years from that point and they actually owed ME money that was refunded in XX/XX/XXXX. How do I owe them {$45.00} when they refunded me {$170.00}?!? 
They dont even have the address correct. The address they listed isnt even where I had original creditors service. That is just the last address they obtained from some other means because I havent even lived at THAT address for XXXX years. 
I will be attaching with this complaint the equipment return instructions from XXXX showing the account number, and the refund information from XXXX
Product: Debt collection

In XX/XX/XXXX I paid rent to the leasing office of The XXXX apartment complex in XXXX, KY. The leasing agent lost the check. It was quite the ordeal. The office staff went back and forth with me for several days before admitting that they in fact lost my rent check and would make it right and would not charge me rent due to the mishap on their end. I left the apartment in XX/XX/XXXX. I turned in keys on XX/XX/XXXX. They apparently didnt update their records until months later because they served me an eviction notice and attempted to serve me forcible detainer for an apartment I didnt even live in or have possession of. I have continuously contacted the leasing office, the apartment communitys management company and the collection agency I now have an alleged debt with for over {$700.00}. The leasing office intentionally leaves me on hold for long periods of time. The management company based in XXXX, GA. gives me the run and around, and the collection agency continues to try to collect money from me that I simply do not owe. I cant get anyone to call me back or help me resolve this matter. It is damaging my credit and prohibiting me from obtaining housing. This is all started with one rouge leasing agent in the leasing office that will not take accountability for their mistakes and now Im suffering the repercussions of their blatant carelessness.
Product: Checking or savings account

TD bank refuses to open a review or dispute transactions saying I didnt report my card stolen even though its 2023 and everything down to debit cards are digital!!!!! Im way to busy to go through every transaction on the mobile app I hired a financial advisor and they saw these transactions and I refuse to lose my money I dont use my debit cards everything is XXXX XXXX I lost everything I refuse for TD bank to give me this unfair decision I dont know how those transactions were made or what manner I just know I didnt authorize any of the payments I disputed
Product: Mortgage

I refinanced my home with 5th/3rd Bank. The mortgage was to include escrow and taxes. After the loan closed I attempted to cancel my automatic withdrawal for my homeowner 's insurance. I was advised a balance of {$970.00} remained and would continue to be deducted monthly through XXXX. The bank 's explanation is that they did not receive the full attachment sent by my insurance agent indicating a balance remained. The agent has proven to me that he sent the full attachment and that 5th/3rd Bank did not contact them when they received only XXXX page, therefore my XXXX statement was inaccurate as it did not address the remaining balance owed for my homeowner 's coverage. 
I believed, in good faith, that they had collected the correct information and that the disclosed escrow amount took into consideration my current balance. 5th/3rd is at fault for not determining the balance due on my homeowner 's insurance. When I asked them to rectify this after the loan closed they would not recalculate the escrow to make it correct. Thus, for the next 6 months I will be paying an additional {$160.00} per month for insurance. This was not the deal I made with 5th/3rd and poses a financial hardship for me. Through no fault of mine, I will be financially strapped to make this additional payment through XXXX.
Product: Vehicle loan or lease

My Problem is with KIA Motor Finance. I am emailed before each payment is taken out of my checking account. The XXXX payment was about {$45.00} more than the contract stated payment of {$380.00} per month. Then after I called them no one could tell me why on my first six conversations, so I informed my bank to not allow the payment be taken out of my checking account. Then I followed up even before the payment was due and spent another 3 hours on the phone trying to find out why the payment was higher and finally after six more conversations they told me that due the the change of state ( I bought the car in South Carolina and then had it retitled in Florida ) the sales tax amount changed and so does my payment. I said by over {$40.00}! So by now I just wanted to know what my payment would be and they could not give me a straight answer because they had put a {$15.00} NSF penalty due to my stop payment through my bank. Now they have given my a payment amount of {$400.00} but they want to charge me {$7.00} to take a payment over the phone and if I don't pay by XXXX XXXX, 2021 I will not only owe the NSF {$15.00} but also a {$15.00} late fee. This is driving me crazy. I am a XXXX year old senior living on a fixed income and just wanted to know what my payment was. Then I found out that because the state where I bought the car ( South Carolina ) charges the entire sales tax up front and Florida charges month by month that I have to go back to South Carolina tax authority to get a refund and that is not right either. What should I do? I have not made my payment as of XXXX XXXX, 2021. Thanks
Product: Debt collection

DATE:XX/XX/2020 AMOUNT : {$1100.00} CALLED THE COLLECTION AGENCY AND INFORMED THEM THAT THE ACCOUNT WAS NOT MY ACCOUNT AND THEY SAID IT WAS NOT ANYTHING I COULD DO ABOUT IT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

**Subject : ** Unauthorized Transactions & Fraudulent Resolution PayPal Debit Card Dear CFPB Representative, I am filing a formal complaint against PayPal regarding unauthorized transactions on my **PayPal Debit Card** and their failure to properly investigate or reimburse the fraudulent charges. 

XXXX XXXX XXXX  **Incident Details : ** - **Date of Fraudulent Transactions : ** XX/XX/year>XXXX  - **Unauthorized Charges : ** - ** {$250.00} XXXX XXXX XXXX Transferred to a XXXX account under the name XXXX XXXXXXXX XXXX XXXX XXXX XXXX Charge at XXXX - **Total : $ XXXX Upon discovering these fraudulent transactions, I immediately : 1. **Reported my debit card as stolen** and flagged the transactions. 
2. **Contacted PayPal on XX/XX/XXXX, XXXX, and was assured I would be reimbursed. 
3. **Three claims were filed ( XXXX, XXXX, XXXX ), but were denied within two hours. ** XXXX XXXX XXXX **PayPals Mishandling of the Case : ** - When I followed up, PayPal **refused to provide a clear reason for denial** and reluctantly agreed to my appeal. I have not yet received any confirmation email. 
- A representative stated that since the transactions were via a debit card, my case was weird and that they would take no action. 
- I was told that **supervisors were unavailable for fraud cases**, and I could not contact PayPals fraud or legal department. 
- PayPal refused to investigate the fraudulent **PayPal account ( XXXX XXXX ) ** that received my stolen funds. After insisting, they reluctantly agreed but I have not received any confirmation email from Paypal. 

XXXX XXXX XXXX **Request for CFPB Assistance : ** 1. **Reimbursement of the fraudulent charges** as per fraud protection policies. 
2. **A proper investigation** into how a PayPal account received stolen funds without repercussions.

3. **A clear explanation** from PayPal regarding its fraud policies and why my case was dismissed so quickly. 

PayPals handling of this case has been dismissive and lacks accountability. I request the CFPBs intervention to ensure that PayPal upholds its consumer protection obligations. 

Thank you for your time and assistance. 

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

Recently contacted transunion and a credit card professional and was informed about four hard inquiries that I am unfamiliar with and also a medical bill debt I was not aware or in use of.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I inquired about renting a house they had listed. I even had a tour of the house and signed a lease. Then I used Chime 's Pay Anyone feature to send them the first month 's rent, and they just stopped responding and disappeared. I've told Chime about the incident, and they literally did nothing. They didn't even seem to care that I caught a proven scammer on their platform. And I assumed that would be able to dispute it if things went wrong, but apparently this one specific feature is " just like cash. '' So they know for a fact they're a scammer, and they know who they are, but they just don't care.
Product: Credit reporting

I was a victim of the inquiry fiasco and i would like my inquiries deleted ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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: Debt collection

this account was opened without my authorization. 
my ssn was used to opened this account & its a completely fraud account
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One Banks failure to release my direct deposit from my employer. Capital One Bank has cited technical issues in their app and through email on Thursday, XX/XX/year>. This conflict began on XX/XX/year> and It has been XXXX days and I have not received anything which may violate the electric funds transfer act ( EFTA ), as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request that a full investigation is conducted on this matter to ensure that my rights are protected and upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a violation of my privacy as well as my consent to what is being shown on my credit report under the Consumer Law, 15 USC 6802, which states : Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties.

My information that I consider to be very private and confidential has been shared without me being aware, and I was given zero notices to have any choice to opt-out of anything.
Product: Money transfer, virtual currency, or money service

My cash app was hacked! XXXX was transferred from my account i changed my device and i lost my phone and whoever found my device had access to my banking information and was able to get into my bank account made transfer from my checking into my savings and send money to themselves through cash app. I contacted cash app regarding the situation, and they asked me to verify my legal first and last name i did do so and they are telling me thats not what is in my cash app of course not because my account was compromised so also my identity was stolen the agent refused to verify me some other way literally refused i asked to speak with a manager and got hung up on and they closed the account i had no way of resolving the matter i contacted XXXX XXXX which is my bank they are trying to resolve the issue but of course they need cash app corporation it is a 3rd party agency. They have no remorse for customer and no respect. I need my money back my savings could have been emptied out many transactions were declined but XXXX went through successfully imagine calling in regarding fraud and you are gon na ask to only verify with first and last name there are tons of other ways of verifying a customers account especially when it is a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TAKEN A LOOK OVER MY CREDIT FILE AND FOUND A NEGATIVE CLOSED ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THIS ACCOUNT IS THE RESULT OF A DROP IN MY CREDIT SCORE. 
I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON THIS ACCOUNT SO THAT THIS ISSUE CAN BE RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

This is XXXX of MANY soft credit checks on my report as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have not used my credit and have over 50 credit checks since the beginning of XXXX ... this is only ONE company and i dont kknow what to do because my mother stole my identity!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. The following inquiry was not authorized and should not be reporting. 
XXXX XXXX ( Bank ) ** - XX/XX/year> The following inquiry was not authorized and should not be reported. 
XXXX XXXX ( XXXX ) ** - XX/XX/year> The following inquiry was not authorized and should not be reported. 
**PRESTIGE FIN ( Finance ) ** - XX/XX/year> 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

This company is saying that I have a debt with them. I did not approve of anything related to this collection & would like to dispute it. It is saying that this was created in XX/XX/2016, all of this is incorrect and should not be apart of my credit history.
Product: Credit card or prepaid card

my debit card information was compromised and some charges were made on my card that I didn't authorize in the amount of {$3100.00} in I believe XXXX of XXXX I immediately notified bank of America by filing a dispute. they credited my account and I received a notice a week later saying the credit was being made permanent. 2 months later they reversed the credit and I've since had the reopen my claim 2 times and they reopened it their self on XX/XX/XXXX and even though it's been past the 90 day time frame for a dispute have still yet to provide me of a resolution to this claim.
Product: Prepaid card

THIS IS FOR THE MIDDLE CLASS TAX RELIEF BENEFIT CARD IN CALIFORNIA ALL, EVERY SINGLE TRANSACTION WAS AN UNAUTHORIZED TRANSACTION MADE BY CRIMINALS WITH ACCESS TO MY FUNDS. THE STOLEN FUNDS WERE MADE AT A PHARMACY AND FAST FOOD FOOD BY THESE CRIMINALS. THESE CRIMINALS CREATED AN ONLINE ACCOUNT WITH THEIR EMAIL AND I DO NOT HAVE ACCESS TO ANY INFORMATION. I ASKED FOR A REFUND CHECK TO BE MAILED TO MY ADDRESS MONEY NETWORK IS NOT RESOLVING ANYTHING AND HAS NOT SENT THE CHECK AND NOW REFUSE TO GIVE ME ANY STATUS UPDATE BECAUSE I DONT KNOW INFORMATION ON THE CARD BECAUSE I NEVER HAD ACCESS TO BEGIN WITH. MONEY NETWORK LET HACKERS STEAL MY INFO AND IM THE REAL PERSON NOW THEY WANT TO VERIFY MY IDENTIFICATION AND BECAUSE I CANT VERIFY THE AMOUNT ON THE CARD THEY CANT HELP
Product: Mortgage

Covid 19 lost my job! They said I had to prove a hardship filled all the paperwork and then they said they understood. At the end of 12 months I requested 3 additional and then they said they could I just had to begin the hardship then they would let me no what options were available. The offer they gave me was a short sale or foreclosure! I argued with them I was going to make my first payment in XXXX and they said Im sorry sps could not offer help!