23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am unable to open a checking account in the United States. For many years I banked with XXXX XXXX XXXX. I would have double charges on my account by many merchants ( I believe it was the merchants that XXXX XXXX XXXX worked with or furnished access devices to ). I could not stop the double charges. The unauthorized charges then would lead to large fees and overdraft payments that were not correct to begin with. 

I decided to change bank accounts many times and the double charges by merchants followed me. The double charges were different depending on the bank. Banks and Merchants work together. Banks are required to furnish access devices to the merchants. I would see double charges with merchants that the bank would the banks furnished access devices or electronic payment devices to. For example XXXX XXXX XXXX furnishes electronic access payment device to its merchant XXXX, and I would see double charges on my XXXX XXXX XXXX account with merchants that XXXX furnishes the device to. 

When I would switch bank double charges would show up with new merchants, usually the merchants affiliated with the corresponding bank. I believe the bank then changes the statements to make it look like the customer used there pin with the card. 

I want to be paid back in full, plus interest, I want the bank and merchant to be FINED. I want to collect a portion of this. This banking FRAUD, DOUBLE charges, Excess fees, unauthorized transactions have destroyed my life. I have lost everything for looking into this. 

I have contacted endless government agencies including local and federal policing agencies. I have tried to hire an attorney to fight against these banks. As soon as I get organized and get my statements together, I get stuck. I moved out of my home XX/XX/2012 and moved into hotels thinking the banking nightmare would stop. It continued and got worse. The hotels then double charged me. I would fight with the hotels asking for charges to be reversed. I would call the bank and neither the bank nor the merchant would return the money or fees involved. 

Here is the letter with a snap shot of what has been going on. I am waiting on new statements from all banks to send to your agency. I have been contacting every other agency without understanding who to contact. 

This letter is to Checks Systems with a snap shot of the banking nightmare. The letter also includes all the government agencies that I have contacted. 

I need to be able to open a checking account. I am a very wealthy individual and would never overdraw my account. Please take a look at this. 








followed me to every bank I opened. I have contacted all the federal agency 's
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I sent an email to the CEO of Bank of America requesting the removal of a negative item from my credit profile being reported to the credit bureaus by Bank of America. Shortly after I received a phone from a company representative and on that phone call I request proof of signed documents pertaining to the account in question. Bank of America has failed to provide those documents in a timely manner and I question if they even exist. Which is why I demand the account be permanently deleted from my credit profile. 

15 U.S Code 1666b timing of payments 15 U.S Code 1681i procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. Dept Of EdXXXX XXXX, Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX & Dept Of EdXXXX XXXX
Product: Debt collection

In XX/XX/2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Product: Credit card or prepaid card

I applied to Home Depot for a credit card to finance wall to wall carpeting.  This credit card offers interest free financing and $XXXX credit toward the purchase.  I already paid the measuring fee of $XXXX.     Before the purchase was complete I was advised that I had been declined for the credit card.  No reason for the denial was given.  I later received a letter from Home Depot Credit Services citing the reason for denial as “History of delinquent credit obligations”. I was referred to XXXX  for information on which Home Depot relied for this denial. I did not receive any adverse action notices.     I reviewed the credit report from XXXX and my record is absolutely clean.  All accounts I have open are in good standing with no delinquencies reported.  Four years ago I was forced to file bankruptcy, and even then I paid my credit cards up to the filing date so there were no delinquencies.  I have worked hard to re-establish my credit and now have a Good credit rating.        Under ECOA, it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of credit.  I am a female senior citizen with a veteran spouse.  Denying credit for a blatantly false reason is unlawful and discriminatory.  There was no reason for this denial and Home Depot’s callus disregard for the facts of my credit has now gained me a credit inquiry to damage my credit further.  To deny me credit was reckless and a willful disregard for the truth. It was unwarranted and their decision should be reversed.  In their response I ask that they file only a truthful statement and that they refrain from adding any additional requirements or reasons for the credit denial.     And finally, I respectfully request they stop the Robocalls to my home everyday telling me to complete my carpeting purpose.  This is completely negligent on their part in not maintaining a check and balance against purchase/credit transactions.     This case has been referred to CFPB because they stop unfair, deceptive and/or fraudulent business practices.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX AUTO XXXX Balance : {$36000.00} CAP XXXX AUTO XXXX Balance : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in information as well as proof of address 2x to Transunion re : incorrect address on file. This has been going on since XX/XX/XXXX. This still has not been corrected.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised by XXXX XXXX XXXX  as well as XXXX XXXX XXXX XXXX. Ive also had fraudulent accounts open with XXXX XXXX that Ive been disputing for years. All of the accounts keep coming back verified with no proof of how it was verified. Ive never signed or gave anyone authorization to use my personal information. Ive had a fraud alert on my consumer report for years and still someone was still granted credit using my information Other accounts like the XXXX XXXX are inaccurate and not reflecting the payments or correct balance. XXXX XXXX XXXX XXXX  was auto dealer fraud that I reported to the state of Missouri, XXXX and CFPB. I have yet to be provided with proof or a signed agreement for XXXX XXXX XXXX I have rights as a consumer and late payments right to privacy 15 USC 1681 Data Breach 6:05 b should be acknowledged
Product: Credit reporting or other personal consumer reports

I have requested over 10 times since XXXX for XXXX, Experian, and XXXX to remove this account that i have also directly requested to be removed from the credit directly. XXXX XXXX XXXX XXXX I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. 

However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in Engekhardt v. Gravens 281 SW 715.719, if no proof of the alleged debt is provided, then no debt exists. 

To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. 

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states XXXX XXXX XXXX XXXX and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. 15 U.S.Code 1692c ( b ) law. However the debt collector, XXXX XXXX XXXX XXXX and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting after being deleted years ago. This is a metro 2 compliance violation. 15usc 1692j is violated as well.
Product: Credit card or prepaid card

I have made purchases from XXXX XXXX before using synchrony bank card under promotion which states that you will pay equal payment without interest when you set up autopay. but the last purchase I did resulted in the system only charging a low portion of the amount owed which didn't cover the whole amount by the due date and resulted in a very high interest rate of {$320.00} when the full current balance amount was only {$960.00}. 
I believe Synchrony bank engages in manipulation of the auto pay feature which causes accounts to default on purpose and against what they promised. I paid the account in full but I refuse paying the exaugurated interest.
Product: Money transfer, virtual currency, or money service

my PayPal account was permantenly limited in XX/XX/2021 I received a message that I can withdraw my funds after 180 days the time has already passed but no change to withdraw the money I called costumer support several times and each time I get a different reply one person even told me that there is no rule that after 180 days I will get my money? 
what kind of scam is this? I have received only transfers from family and friends and PayPal wont give me my money now? first customer support told me on the phone I need to wait 180 days, after 180 I was told I need to wait 1 more month. after that I called they tell me in 2 days I get an email to access my money. and now still the same I have no access to my money and they owe me XXXX USD and XXXX
Product: Student loan

This compliant is not about my current student loan servicer, but about Navient regarding refinancing my student loans. While the information on the sheet is accurate and has a disclosure at the bottom of the letter, the issue is whether borrowers may not understand or realize the problems they could face refinancing their federal student loans with their private student loans. Further, the correspondence offers borrowers Prescreen & OPT -OUT- Notice by calling XXXX, but in order to opt-out borrower must provide their full SS # 's. If this letter is not from Navient, we could have a lot of harm borrowers with stolen credit information on our hands.
Product: Debt collection

A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. I received a request from Diversified Adjustment Service on the same debt which I requested no further contact but still received in the mail an itemized statement that I did not request. XXXX and another collection agency has already rightfully ceased collection on this debt and Diversified Adjustment Service should do the same immediately. Please cease & desist immediately.
Product: Credit card or prepaid card

I received this card from the Unemployment department to receive my unemployment benefits. There were no transactions other than the weekly deposits until XXXX when I went to the Bank of America branch to make a withdrawal of {$5000.00}. Two weeks later on XX/XX/XXXX through XX/XX/XXXX transactions started appearing on my account totaling {$1700.00}. 

As soon as I realized this I contacted Bank of America on XXXX, they said they would open a case and would receive instructions on what to do next. 

On XX/XX/XXXX I called Bank of America because I had no received anything in the mail to which I was advised that my claim had been closed on XXXX and to which they didnt specify the reason why it was closed. They said it would be reopened and I needed to wait. 

On XX/XX/XXXX I called back because I had not heard anything, they told me the claim had been closed and didnt give me a reason either but supposedly they would reopen. 

From XXXX to XX/XX/XXXX I called asking to speak to a manager because they would not be able to give me information on why my case had never been reopened. Asked to speak to a manager several times and every time my call would get transferred somewhere then it would get disconnected. 

On XX/XX/XXXX i filed a claim with the XXXX  XXXX  XXXX. 

On XXXX I received an email from XXXX XXXX XXXX Resolution Specialist Regulatory Complaints stating that she would be taking care of my case but never heard anything back. I checked on the XXXX  website and they never received a resolution to the claim. 

The situation was very frustrated and I felt like I had nowhere else to go but to give up until a friend referred me to this website. I feel very frustrated for this situation. I was unemployed for almost a year and I really need the money to pay for my bills.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX.   The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and the Mortgage company on several occasions. However, both mortgage companies are reporting my account as being opened. XXXX, is reporting my account opened and XXXX XXXX is reporting my mortgage account as being opened. This is making my debt-to-ratio to be high and I was denied credit for this.
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 violates the consumer Financial protection act ( CFPA ). Specifically, Cash app failed To take timely and effective Measures to prevent And address fraud On their platform Leave my account vulnerable and unprotected. Furthermore Their dispute resolution process Was unfair and deceptive, As they did not Comply with error Resolution requirement Under the electronic fund transfer act. ( EFTA ) and regulation E These actions have caused Significant inconvenience And financial loss And I seek appropriate redress for these violations.
Product: Credit card

XX/XX/XXXX Applied online for Chase Freedom Unlimited ( Visa ) due to promotional offers, and was approved. 
The promotion offers are as follows : 1 ) 0 % APR for 15 months ( expires XX/XX/XXXX ) 2 ) Earn additional 1.5 % on all purchases up to 20K spent in 1st year.

3 ) Earn a {$200.00} bonus after spending {$500.00} in the first 3 months from account opening. 
4 ) {$0.00} annual fee XX/XX/XXXX Received credit card in the mail. 
XX/XX/XXXX Called Customer Service to verify the promotion offers as listed above and which the representative confirmed. 

All promotional offers EXCEPT for item # XXXX were honored. Was told that it would take 6-8 weeks for it to be reflected on statement. 

XX/XX/XXXX Called Customer Service due to non receipt of {$200.00} bonus. Was instructed to send a " secure message '' via Chase.com 's website with a screenshot of the promotion offer ( to which I complied ). 

XX/XX/XXXX Secure message received stated the offer is not available and the current offer is higher than what I requested. ( Screenshot was supplied, do not understand this response. ) XX/XX/XXXX Secure message in reply to my contesting the message of XX/XX/XXXX, stated that because the screenshot did not have my name on it, it wasn't valid. 
( This promotional offer is still on the Chase.com website to this very day, it is not addressed individually. ) XX/XX/XXXX Secure message in reply to the absurdity of XX/XX/XXXX message stated I was not eligible. 

XX/XX/XXXX Called Customer Service to pursue this matter. Told it would be forwarded to the Escalation Dept., given conf # XXXX, and should hear within 7-10 business days. No followup received. 

XX/XX/XXXX Sent email to XXXX XXXX, CEO of Chase Credit card services regarding this matter. Submitted a 2nd email on XX/XX/XXXX due to no response. 

XX/XX/XXXX Received a phone call from XXXX of the Chase Executive Office who would handle this case. 
She provided her telephone number and extension. 

XX/XX/XXXX Received a secure email from the Executive office information that the offer was no longer available and they would not honor it. 

Please pursue this matter. As stated, this very promotional offer appears on Chase.com today. They refuse to honor it. Have read XXXX posts regarding other consumers having the same problem with Chase.
Product: Mortgage

PennyMac has lied, I asked for copies of the documents they mailed to me and I havent received them. They also need to address why they didnt pay the same policy that I have had for the past three or four years with the primary policy holder being XXXX XXXX this issue hasnt happened previously and now you want to force place me! I demand my insurance with my prefer carrier be reinstated and you remove your fees!