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

A fraudulent transaction was reported to Discover card on XX/XX/2022. 
In an email from Discover on XX/XX/2022, at XXXX AM EST : " Based on our recent conversation about unrecognized activity on your account ending in XXXX, we've opened a fraud dispute to review your case. No further action is required of you as it relates to the review at this time. We will contact you if we need any other information during our review. '' On XX/XX/2022, a second transaction was made on the same account for an amount of {$1800.00}. XXXX purchases were acquired using the stored account created on the same date, XX/XX/2022, at XXXX pm EST. The transaction was approved by Discover on XX/XX/2022. 
The cardholder of the card was not notified about the second transaction. 
Furthermore, the merchant ( " XXXX XXXX '' ) was not requested to cancel the delivery, and XXXX packages were picked up by an unknown person on XX/XX/XXXX, at a site location different from the shipping address. 
Discover is now requesting payment for the unauthorized transaction from the cardholder.
Product: Checking or savings account

I am filing a complaint with CFPB against Capital Ones failure to deposit my funds into my account from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Transfer Funds Act ( ETFA ) as it requires timely access to funds. This situation raises issues with consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

Citibank and Home Depot were the original creditors the debt was then sold to XXXX who uses XXXX, XXXX XXXX XXXX to collect their debts. The documentation and validation of the debts provided are redacted and do not include that amount that the alleged debt was purchased for by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested that unredacted documentation and have not received it. Collection efforts have not stopped and XXXX, XXXX XXXX XXXX is attempting to strong arm me into paying the full amount of the alleged debt by not providing that information and by not discussing a potential settlement. They have also filed a small claims suit and have attempted to serve my XXXX  child ( under XXXX XXXX XXXX ) multiple times while I am at work causing distress for him. I am requesting all unredacted documents related to this alleged debt, all statements of payments on the account, all interest and late fees accrued, all unredacted documents related to the purchase and exchange of this debt from Citibank and Home Depot to XXXX and XXXX, XXXX XXXX XXXX.
Product: Bank account or service

Chase bank re ordered the processing of debit card and checking account transactions not by original date, but by the date they found would generate them the most revenue from overdraft and NSF fees. 

Rather than processing smaller transactions first, and in the order they occurred, they processed a larger transaction first and smaller ones several days after their original transaction date to charge more than XXXX NSF fees to my checking account. As I am aware, this violates several recent laws that have been implemented over the past several years to limit banks ' abuse of overdraft protection and charging of NSF fees.
Product: Debt collection

XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX. Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from Kay Jewelers with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX. 's part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I WAS requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I currently have a mortgage loan through RoundPoint Mortgage Servicing Corporation. While attempting to have my Private Mortgage Insurance ( PMI ) removed, I was repeatedly provided inaccurate information regarding the time frame in which my appraisal would be valid causing me to be required to have a second appraisal of my residence completed to have the PMI removed. I contacted RoundPoint Mortgage Servicing Corporation Qualified Written Response Team by mail, as one is unable to speak to anyone with any information by phone, requesting the additional appraisal fee be removed from my account as the additional appraisal was due to inaccurate information provided to me by RoundPoint Mortgage Servicing Corporation. I received a written response, dated XX/XX/XXXX, from XXXX XXXX XXXX, Vice President of RoundPoint Mortgage Servicing Corporation, stating [ they ] are currently in the process of waiving the appraisal fee in the amount of {$390.00}. Previously, when contacting RoundPoint Mortgage Servicing Corporation by phone I was advised this fee was not due until the loan was paid off and I would not be charged interest on this fee so there was no point in paying it off early. The fee continued to appear on my monthly statement son on XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation and spoke with representative XXXX and supervisor XXXX, who both advised I should wait more as the write off removal was om the pending status. I continued to wait until the arrival of my current statement dated XX/XX/XXXX which indicated both appraisal fees were now currently due on XX/XX/XXXX. On XX/XX/XXXX, I again contacted RoundPoint Mortgage Servicing Corporation by phone and spoke with representative XXXX. She initially stated she was unable to locate any indicating my appraisal fee would be removed. I asked her to again reference the notes from my previous conversation with XXXX and XXXX as they were able to locate the information. XXXX was able to find the information and advised I should write another letter as it was still awaiting approval. I requested to speak with the department responsible for approval the removal and was advised I could not speak with them. I requested to speak with a supervisor and am still waiting to speak with someone.
Product: Credit card or prepaid card

On XX/XX/XXXX spoke to Chase Credit Card about promotional check, spoke with representative XXXX. I asked about what the minimum payment would be if I wrote a check. She explained it would be 1 % of the amount wrote. I wrote a check No.XXXX on the promotional on XX/XX/XXXX for {$15000.00}. She told me the minimum payment would be {$150.00}. there was a 4 % sevice fee added to that for a total of {$15000.00}. On receiving statement on XX/XX/XXXX on line, the minimum payment was {$780.00}. I called Chase at this point for an explanation. I spoke with representative XXXX, that looked at it and said that is not correct. She transferred me to Manager XXXX that explained the bill was 1 % of the balance plus {$600.00} service fee to be paid on the first payment up front? I received my next statement for XXXX and the next minimum payment was for {$740.00}, not the {$150.00} that she quoted. On XX/XX/XXXX I drove to the local Chase Bank where the representative their looked at the paper work I have received and she could not make any sense of it. She called and was also told they can't do anything about it. She was told that I signed an agreement back in XX/XX/XXXX to pay back 5 % of the balance for the minimum payment. I do not have any paper work from 23 years ago. They send these checks to me all the time. I would think these checks or paper work would give you some kind of an idea what the minimum payment would be. The local bank representative agreed and filed a complaint. She said the manager was going to file a complaint. I spoke with a man name XXXX again and he said the will not do anything. I am XXXX years old, on a fixed income, and an extra {$600.00} added to my payment is killer. I never would have wrote the check except I was assured the payment was {$150.00}. I have been totally mislead by the reps at Chase. the local bankers also agreed, who has kept paper work from 23 years ago. Help!
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 a 0:3 was unfair and deceptive, as they : & not '' ky comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Bank account or service

XX/XX/2015. Website is down this morning. Tried to call customer service about this, but no one answers due to inordinately high call volume. Missed out in trading opportunities. Ca n't imagine what a predicament I would be in if I wanted to exit/enter a position. I have found Scottrade 's service to be erratic over the past couple years.
Product: Mortgage

I originally filed my complaint in XXXX of this year, XXXX but nothing has been done and I am frankly getting very frustrated. The company, EMortgage Funding has made my life a mess. They made promises to get me to sign the contract or proposal that were never kept. I was told by the broker that he would be able to lower my payment and interest rate after 6 months which was a lie. I believe that I was taken advantage of and a victim of predatory lending as well as they made a charge on my credit card which I did not approve for an extra XXXX. I asked for the money back and I never received it. The appraisal cost XXXX and because the appraiser didn't want to go under my house in the crawl space to take pictures he had to come back. That wasn't my problem.I am XXXX and I have to go under there sometimes to reset my furnace. My rate changed right before the closing, I received a call in XXXX this year from the broker and his supervisor asking me to remove the complaints on here as well as the XXXX and that they could do something within 10 days. I received a " bogus '' proposal stating I could have a 4.99 % interest rate but they added XXXX in fees and most of the information on the paper the broker wanted me to sign was not even filled out with the correct information. But then I received a text from him stating he wasn't going to lock in the rate. WHY would I sign that? My credit is a mess now, at the time of the loan it was about XXXX. My house payment went from XXXX app. to XXXX Why did he think this was a good idea??? The only reason I signed was because I believed him in good faith, he was going to fix this. I have lived in my home for XXXX  years what happens to me when I can't make my payments? XXXX people are sometimes signal out as easy targets. I am not going to give up. This is my home. Be careful, most agents are sincere this one was not.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX, Westlake ServiceINC, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX pulled hard inquiries on my Credit File without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Went to apply for a credit, with one creditor and once i applied with them i had alot of unauthorized inquires. 

XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX, MI XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXXXXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Unrecognized Hard Inquiries on my Transunion Report : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX, via XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Unrecognized Hard Inquiries on my XXXX Report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 ( CFPB ).
Product: Money transfer, virtual currency, or money service

I went in to purchase a money order. In my many years on Earth, anytime I needed a money order, I paid only the fee cost listed and possibly tax. When I came in this location to purchase the money order, there is a fee on a board but nothing else which for the amount I wanted was {$1.00} ( the requested money order amount was {$35.00} ). The agent then tells me that the cost is {$36.00} and she has to round it up because they charge an atm withdrawal fee and it is in increments of {$5.00}. I asked for clarification and she said there is a {$3.00} withdrawal fee that she will return to me in cash ( she gave me {$3.00} ). This all made no sense since the amount that ultimately came out of my bank account for a {$35.00} money order was {$43.00}. This was not an atm withdrawal but they treated it as such by charging me XXXX fees. Essentially, this company is ripping people off and overcharging for the money orders without disclosing the fees prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Filed Chpter XXXXBK- In XXXX notice a collection account still reporting the account as open with a XXXX balance. I contacted All 3 credit bureaus, but Transunion is the only company which keep allowing XXXX XXXX to keep reporting an open collection account, as updating even though it is included in my Chpter XXXX BK filing. Spoke with Transunion on XXXX, XX/XX/XXXX and XX/XX/XXXX. What they have told me is as that, every time they contacted XXXX recovery, the company had confirmed the accuracy of their reporting, even though transunion clearly recognize the account was indeed included in my Chapter XXXX BK, but still allow this company to report inaccurate information.
Product: Student loan

I have been making payments to my loan provider Edfinancial services and it would go through but my payments keep getting reversed back to me so it made me behind on my payments. My bank information is correct and its hard to contact Edfinancial services. Other people have had this problem in the past.
Product: Student loan

I refinanced my student loan with wells fargo in   XXXX   XXXX  . My old student loans were with  XXXX . Although wells fargo said they had sent the funds to  XXXX ,  XXXX  said they never got the funds. Both companies said I owed them the balance of the loan. After spending every day on the phone with both wells fargo and  XXXX , I finally got it figured out ad  XXXX  got the funds and by balance was {$0.00} in  XXXX   XXXX   XXXX  . Later in  XXXX , I got a call from wells fargo stating that they had received a check drom   XXXX   for the full balance of my loan and they would apply it to my account. i told them that it had to be a mistake and they should not apply it to my account. They applied it to my account and I got a letter stating that my loan was paid in full and closed. I called both wells fargo and  XXXX  to try to get to the bottom of the situation because I know that my account balance for both companies should not have been {$0.00}. Meanwhile, while I try to figure out that situation, I am in the process of buying a new house. My lender for my house calls me and says m y credit score dropped over  XXXX  points this week because wells fargo put de rogatory comments stating that i am ov er 90 days lat e on my payment and they have closed my account. I contacted wells fargo to confront them about the situation and they say that the account has never been late and it is paid in full. They state that it is not their problem that  XXXX  sent them the funds, But that I would need to work it out with   XXXX  . This has caused me to not close on my house because my  credit score  had dropped. This has caused me earnest money, appraisal money, and inspection money. Wells fargo is not being helpful in figuring out the situation,. I have spent hours on the phone with different people and they never seem to help with the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters about unauthorized inquiries on my credit report. There has been nothing done about it. I have even placed a fraud alert on my credit report because there were inquiries that I did not authorize. These need to be deleted immediately it is affecting my score and reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless TransUnion takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to report an ongoing issue regarding identity theft and the lack of support I have received from Experian in resolving this matter. I am a victim of identity theft, and unfortunately, Experian allowed someone other than myself to set up an account, granting them access to my entire credit file. 

I immediately contacted Experian to request that the account be shut down. However, I was told that I needed to provide documentation proving my identity. I complied promptly, submitting the requested documents in XX/XX/year>. Despite this, Experian refused to suspend the account for review until my identity was fully verified. I followed up regularly for four months, but there was no progress. 

In XXXX, I received an email stating that the documents I submitted were not clear enough to verify my identity. They requested that I resend the documents. Feeling both violated and frustrated by the delay, I complied and resubmitted the documents. It was not until XXXX that the account was finally locked. 

As a customer with Experian Identity Protection, I contacted their support team for assistance, but I was informed that this issue fell under a different department and that they could not help me further. Meanwhile, the person who gained access to my account had been tampering with my credit cards, changing my contact information, and even using my identity for apartment applications. My credit score has dropped by over XXXX points as a result, and I am now dealing with collections for an application made by this individual. 

I have also provided a police report number to Experian, but my case remains unresolved. This entire ordeal has been an ongoing nightmare, and the lack of support from Experian has only added to the stress.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). DISCOVER BANK is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).