23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I ordered from XXXX clearly ( now I know ) a scam business. I spent {$600.00} through my Paypal balance, which was cash received from my wedding fund. XXXX sent me a fake package so they would have a tracking number and proof of delivery but I never received my items AND they continued to email me telling me the items I ordered were not in stock and offering coupons for me to choose other items - from XXXX even until TODAY. On XX/XX/year> I filed a case with PayPal due to not receiving my order and XXXX refusing to refund me, and I have sent over 16 pieces of evidence and follow up emails with this XXXX business continuing to tell me my items were not in stock and if I pick different ones they will give me a coupon - yet PayPal STILL has not given me my money back despite the fact that I have been unsuccessfully communicating with them and this merchant for almost 2 months. The ONLY thing PayPal has asked me this whole time is what was in the ( fake ) package and to prove it wasnt my order- despite the fact that I have emails from the company for months after the tracking info claims it was ordered saying my items werent in stock!! And the tracking they claim delivered my items PRE-DATES all of the emails telling me that the items aren't in stock and bribing me to pick new ones. It makes no sense and is so shocking that it is this difficult to recover funds from a scam with PayPal. If this was a major credit card company this would have been over two months ago. Now, PayPal has asked me to prove that I sent the fraudulent item ( fake package ) back - when it was never requested to be sent back, nor has any shipping label been provided, nor has the company ( XXXX ) ever acknowledged to me that anything was received- they have only continued to email me asking me to pick new items because the ones were supposedly never in stock despite the fact that I request refunds daily. The money used for this purchase was cash deposited in my PayPal for my wedding, so I am not able to dispute with a credit card company. They are holding my cash hostage.
Product: Checking or savings account

XXXX tried to call me during my work hours to resolve an issue, but she provided incorrect information to CFPB and did not adequately resolve the problem. Additionally, I never consented to Capital One to open a bank account ; I only agreed to open a savings account to receive {$300.00} as an incentive to open a savings account. When I called them before filing this complaint at CFPB, they were confused and unable to provide a consistent explanation.
Product: Credit card

I closed my credit card ( American Express ) account with XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2017. The bank has still not sent me my credit balance amounting to XXXX {$550.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and removal of inaccurate information in my consumer report, as required under 15 U.S. Code 1681c-2. The information I have identified is the result of alleged identity theft, and according to federal law, you are required to block this information no later than four business days after receiving this notice.

Additionally, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the information in my file must be reported accurately. The accounts listed below are in violation of this requirement and have compromised my federal consumer rights, including my right to privacy and confidentiality, as outlined under 15 U.S. Code 1681.

Furthermore, under 15 U.S. Code 1692g, I am entitled to receive validation of the debt, including proof of a purchase agreement or a wet signature demonstrating that I committed to the debt in question. If such proof is not provided, you are required to remove the accounts from my report immediately.

**Accounts in Violation : ** [ List the accounts in question here ] Pursuant to 15 U.S. Code 1681, Section 602 ( a ), I am entitled to privacy concerning my consumer report. Further, under 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts or information without my written consent. I did not provide written permission for these accounts to be included in my credit report, as outlined in 15 U.S. Code 1681a ( 2 ).

I also bring to your attention 15 U.S. Code 1666b, which requires that creditors promptly correct billing errors upon notification. As such, the inclusion of these accounts on my report constitutes a billing error, and they must be corrected immediately.

Additionally, under 15 U.S. Code 1601, the purpose of the Truth in Lending Act is to promote the informed use of credit through meaningful disclosure of credit terms. The inclusion of unverified accounts violates this principle and misleads the consumer.

Finally, I refer to 18 U.S. Code 1028A, which imposes severe penalties for aggravated identity theft. The failure to address the issues raised in this letter may result in further legal action under this statute.

I request that you provide the original copy of the agreement, including all terms and conditions, associated with the accounts in question. If you fail to provide this documentation, you are required to delete these accounts from my report.

Please take immediate action to block these transactions from being reported to my consumer report within four days from the receipt of this notice. Failure to comply will result in further actions, including potential claims for damages up to {$1000.00} per account, as permitted by law.

I look forward to your prompt response and the resolution of this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a credit card by granting the extension of my credit to Apple Credit Card so that I could in turn use the credit card for educational purposes. However, the company denied me at the end of the application process and advised me that " Unfortunately, Goldman Sachs Bank USA is not able to approve your application right now. '' I received an email from them telling me that this decision was based upon the inaccurate and unverifiable information reported on my credit report. Specifically, due to 1 ) Serious delinquency and public record or collection filed 2 ) Time since delinquency is too recent or unknown 3 ) Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. And may I add that this information they received from the credit report they pulled and made their decision based off of is overloaded with inaccurate and un-validated adverse acting information. So you mean to tell me that you didn't even bother with conducting a full investigation upon the information you obtained in regards to the credit worthiness of my application? That is deceptive practices. Now, not only did this company benefit from my consumer credit due to a credit transaction but they also violated me and ran off with their benefit and left me XXXX out with no benefit at all. Like, they literally ran off on the plug on a good sis. This is wild crazy! I was violated and I can literally physically and mentally fell the violations, because I am HURT okay! 

Moving forward this company is in violation pursuant to 15 USC 691 Equal Credit Opportunity Act and regulation B pursuant to 12 CFR 1002.4 ; ( a ) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. 

As the applicant I applied in accordance with the creditor 's procedures and they in return refused to extend the terms of the business that is a violation and they are not within regulated compliance pursuant to 12 CFR 1002.2 Their adverse action is not within compliance of the CFPB Their adverse action is not within compliance of the ECOA Their adverse action is not within compliance of my consumer rights and do not agree with the company response. Only one side received benefits from this consumer credit transaction and it was not me
Product: Money transfer, virtual currency, or money service

Chase bank has given me XXXX funds and california state controller stated my chase fund was deposited onto XXXX XXXX which is illegal.my business name is XXXX XXXX
Product: Checking or savings account

Wells Fargo Bank has regularly and routinely deducted more than {$8000.00} from XX/XX/2018 honoring unsigned, unauthorized, counterfeit checks sent electronically to be paid to my Aunt 's checking account. My XXXX-year-old Aunt allowed me power of attorney and was recently declared incompetent. After entering her account, I discovered the check fraud, multiple claims were started in late XX/XX/2018, a police report filed, and investigation initiated. Surprisingly, Wells Fargo only returned the last 30 days of fraud that occurred in XX/XX/2018 ( estimated {$2000.00} ) and is attempting to collect the rest from those where they sent the money. A hold was placed on the compromised account permitting her fixed income to continue pooling and a new account established where I could transfer the fixed income to pay caregivers after the hold was temporarily released, then returned in 10 minutes. Some stolen money has been collected but more than {$4000.00} is still uncollected wiping out my Aunt 's account. My Aunt recently died destitute but shockingly, the bank allowed more counterfeit checks to be paid! That money was repaid, never once was I ( or my Aunt ) notified of any suspicious activity. I was IN the bank transferring funds when they allowed the last fraud in that 10 minute window! Another unsigned counterfeit check paid! I am executor for my Aunt and need ALL the money paid out to be returned to pay mounting debt to unpaid faithful caregivers. The bank is unwilling to do this and need your help to force them to pay back what they paid out in a reckless and unauthorized manner. HELP! My Aunt died destitute because of they negligent security.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me understand debits that are my credit
Product: Credit card

I brought some building materials to build my patio from XXXX. They did n't deliver all my materials. I called the merchant and let them know and they said they were aware of it and going to credit it back to my credit card. I waited and waited but it never happen. I took action with my credit card company, capital one. First letter then asked for second opinion letter from a XXXX party. I provided it. Still nothing happen. Second letter they again asked for a letter stating that I never received the merchandise. Ok did that and sent it. Third letter out of nowhere they said that the case has been closed. Saying that I did n't provide proof of return of merchandise. Which I never dispute for returning anything. I was disputing that I never received all my merchandise. I know they are siding on the merchant which is very frustrating and nothing I can do about it. Its not a small amount that 's why I do n't want to lose out on it. Its XXXX worth of stuff. I keep asking them to let me speak to a manager or higher level assistance but they said I need to be on waiting list for about 2 weeks. Capital one disputing process is like a joke they are just trying to play with you. Trying to make you pass the deadline so they can close the case.
Product: Money transfer, virtual currency, or money service

Hello, I wish to address/complain about a money transfer transaction I had with MoneyGram.com. On XXXX XXXX. I intended to send money from the U.S. to a friend in XXXX. 
I chose to use MoneyGram services willingly and chose to pay for the transaction using my credit card and not my debit card after I called MoneyGram. The fee charged for paying with debit card or credit card was the same.

I called MoneyGram to inquire how my credit card would be charged. I asked if my credit card would be charged like a regular store or online purchase or charged as a cash advance ( thus incurring fees from my credit card issuer ). I was told the transaction would be charged as a purchase and not a cash advance. Hearing this I found it a better/safer option to pay for the transaction with my credit card. 
Upon receiving my credit card statement, I come to find out MoneyGram charge my credit card as a cash advance, thus incurring cash advance fees and interest fees. 
My credit card tells me there is nothing they can do unless I wanted to contest the entire credit card charge from MoneyGram as fraud. I told them no since I did intend to make transaction and was only disputing the cash advanced fees and felt I was lied to about how my credit card would be charged. 
I called MoneyGram and was told there was nothing they would do but they did apologize for be lied to. They said I could write up a complaint on their web site and submit it. Im sure nothing will come from this. 
The Consumer Finance Protection Bureaus name and phone # was on confirmation email I received from MoneyGram so I thought I would tell my story to you for what it is worth. 
Im sure nothing can be done nor do I expect anything to be done in getting the cash advance and interest fees refunded to me. Unfortunately a bad lesson learned and a customer who will never use MoneyGram again.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX, I sent out letters to the U.S. Bankruptcy Court in XXXX, FL as well as XXXX, Equifax and XXXX   requesting that the bankrupcty discharge on my credit reports be removed because they are inaccurate and non-verified because the courts do not verify with CA or third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. 

Account : XXXX XXXX
Product: Credit reporting

Experian for the past 3 mouths this company will send up dated credit reportAll XXXX will not sent out letters of dispute will take off accounts that someone usedI need up date report on all XXXX I ask to delte the late charges the bank will not send mestanding ments of what been charge date back XXXX of 2014. 
Copys of letters that I sent for the last XXXX mouths all XXXX not every good company to do business I have a right to dispute what is on my credit all I get is the run around.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax dropped my credit XXXX  points from a XXXX to a XXXX after I specifically reported a fraud happening on my account!! I pay my credit on time and even tried disputing this matter! XXXX then only lifted my score up to XXXX and Equifax is still XXXX I pay my card on time and was subjected to fraud the beginning of this year. I never requested for a card to be sent out for the authorized user on my account and the card was sent out to an address I no longer live at which resulted in it being stolen out the mail box and charged up {$500.00} Please give me a call for more details.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Southern Credit Recovery keeps trying to collect on a medical debt I already paid to XXXX XXXX XXXX. It was originally {$80.00} and now they are asking for {$160.00} even though I already paid XXXX directly. 

XX/XX/year> {$80.00} paid to XXXX XXXX Ref # XXXX ( screenshot is attached to this complaint ) XX/XX/year> Southern Credit Recovery letter asking me to pay {$80.00} I already paid SCR # XXXX XX/XX/year> Southern Credit Recovery letter asking me to pay {$160.00} on an {$80.00} bill I already paid with a threat in ALL CAPS to report this " unpaid debt '' to national credit bureaus. 
SCR # XXXX
Product: Money transfer, virtual currency, or money service

Hello financial regulator, my PayPal account can not be linked to a bank and withdraw cash, please help me!!! 
I have contacted PayPal customer service many times and initiated complaints, but the problem has not been resolved, which has brought great troubles to my life.
Product: Debt collection

I reviewed my XXXX credit report and I was completely shocked to see Bloomingdales on my credit report. I have never opened an account with Bloomingdales. Someone used my personal information to open an account in my name without my consent. 

This is a fraudulent account that needs to be deleted and removed immediately from all three major credit reporting agencies immediately. 

Bloomingdales Account # : XXXX Balance : XXXX
Product: Credit card

I have had a credit card with Alliant Credit Union for over 5 years. I have always used the auto pay in full feature on their website. Recently, XXXX XXXX, I noticed a small credit interest charge. I called the company and they admitted fault, refunding the charge. Since then I was charged again in XXXX, XXXX, XXXX, XXXX, and XXXX. I have called repeatedly, given the run around. I even was instructed to cancel the autopay system, and set it up again because it was glitched. I did so, but keep incurring monthly interest charges. The only way I have avoided charges in XXXX, is by manually going in and making a full payoff amount outside of the automated system. I do not understand how a automated system can promise to pay off a balance in full each month, only to allow a balance and charge interest. I so far have only been cost a few XXXX dollars, but I feel this activity is intentional to deliver higher profits off of people who do not notice the small interest charges ( about XXXX dollars each month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an application on XX/XX/2020 with Navy Federal Credit Union for a loan of {$42000.00} ; however before I completed the application I was having second thoughts so I saved the application unfinished to make sure that was what I wanted to do. I stopped at the funding amount on the application. A couple of days later, I gor an alert from XXXX that Navy Federal pulled my credit through XXXX. I immediately called Navy Federal and asked why they pulled my credit on an incomplete application that wasn't even signed or dated to give them permission to pull my credit. They clsim I completed the application to the point where they could pull my credit. I advised them Inwork in banking and know how credit applications work. They have refused tonremove this inquiry from my credit report which has lowered my credit score. They are practicing predatory consumer practices and I am seeking legal recourse hopefully with thr help of you guys.
Product: Payday loan, title loan, or personal loan

I applied for a loan with this on XX/XX/XXXX my payment was XXXX per pay period I fell behind on payments in XXXX due to XXXX i reached out spoke to a representative made she said she would help me get back caught up so i paid what she requested and was back to my normal XXXX around XXXX i start seeing my XXXX payment then a few days later a payment for XXXX and i kept getting those double charges. I reach out and tell me I didnt authorize any of these charges where are they from im scheduled to pay XXXX i asked them was my payoff she said XXXX my contract was scheduled to end XX/XX/XXXX and i still owe XXXX on XXXX dollar loan plus im being over charged XXXX XXXX and XXXX XXXX XXXX XXXX  now I had a charge of XXXX on the XXXX and again on the XXXX now another today on the XXXX something is now right here and none of those charges i agreed to and they not even on my pay schedule these are random charges being sent to my account plus my regular payment was charged XX/XX/XXXX not sure what this company is doing but it's putting my account in a bad situation.
Product: Credit card or prepaid card

In XX/XX/2021, a scammer opened a prepaid debit card at PNC Bank in my name and using my social security number. The scammer also changed the address, email, phone number, password, and security questions on my online PNC account. 

I have a HELOC with PNC which is set to autopay, so I did not notice the fraudulent account for several months. As soon as I realized what was going on, I immediately notified PNC Bank and requested that they remove the prepaid debit card account from my account and investigate the matter. I have made repeated requests to the bank and spent hours on hold and nothing has been done. 

I was able to undo the changes to my PNC online account, but the prepaid debit card is still connected to it. I still don't understand how any of this happened and the bank has taken no action and offered no explanation or apology.
Product: Credit card

My husband and I both signed up for a XXXX credit card through a promotional offer we received in the mail. The flyer in the mail advertised a 0 % intro APR for 15 months, so we both decided to scan the QR code and sign up for the offer. After spending thousands of dollars on his card on new purchases, we noticed interest on the account and called to dispute the interest. They said they intro APR only applies to balance transfers and convenience checks, not on new purchases. I told them that was deceptive and misleading, because an intro APR for a credit card usually applies to new purchases, since credit cards are used to buy things. The representative on the phone laughed and me and told me that marketing is meant to draw your attention, and that we should have read the full flyer. We had to draw loans on our retirement accounts to pay off the card and prevent further interest charges, but their advertising is misleading.
Product: Credit card

I opened the XXXX XXXX Brilliant card in early XX/XX/year>. It has now been almost 2 months and my XXXX account has not been linked to my American Express Account. I have called multiple times requesting to link these accounts and was told that they would be linked. After calling more times, I was given a case number : XXXX to solve this problem. I called again a week later and was told to wait at least 2 more weeks. I have also called XXXX to confirm all of my personal information matches between both accounts. The reason why linking these accounts is so important is due to the complimentary platinum elite status and the elite night credits. Also when so that the points show up on my account when I received the welcome offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I called TransUnion concerning unauthorized inquiries on my credit report. I was told to call the companies. I already did. I have been given the run around, and all I was given by TransUnion operator was the opportunity to buy some type of fraud credit protection plan. 

I was told by the companies that they couldn't help, meanwhile, I have these things on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND HAS A LOT OF FRAUDULENT ACCOUNTS ON MY PROFILE. THIS IS NOT RIGHT CAN SOMEONE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT.