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

XXXX XXXX XXXX XXXX incorporated at California inXXXX, we provide international business travel with XXXX cities in nationwide. We started to use XXXX as our credit card processing company in XXXX. The cooperation was good until they held our fund {$830000.00}, swiped from our passengers ' credit cards in XX/XX/XXXX. XXXX said XXXX financial report looked not good since XXXX, required us to provided to them with all our detail management information and business record, including all our tour groups and passengers name lists, flight ticket booking record, hotel list and land operation final itineraries, air ticketing payment record by XXXX company XXXX and by my personal credit cards, my personal credit card payment statement and record, our bank statement to reflect we fully paid for both air and land service to our vendors. But XXXX still terminated our service, and said they go hold our fund in their hand ( {$830000.00} in XXXX plus {$47000.00} in XXXX ) for 3 months then they go release the fund to our passengers but not to XXXX. They already on purposely demaged our business and reputation, and they are going to cause even bigger loss to XXXX, since all our passengers will return from their trips we fully paid for.
Product: Checking or savings account

PayPal deducted money from my paypal account on XXXX XXXX without authorization also PayPal hasn't not proof the acceptable user policy that was violated. 

XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/year>, I applied and was approved for a new Chase Business Complete Checking account. 

On XX/XX/year>, I deposited {$30000.00} into my newly opened account. 

On XX/XX/year>, I began withdrawing money which brought the account below {$30000.00}. 

For my {$30000.00} deposit, I was to receive a bonus of {$750.00} by XX/XX/year>. Instead, on XX/XX/year> I received a {$300.00} bonus. I completed the requirements exactly as stated in the Terms and Conditions of the Chase offer and I would like my {$450.00}. 

See attached " Chase CFPB Complaint '' PDF and " Chase XXXXXXXX XXXX XXXX XXXX  for detailed information.
Product: Credit card or prepaid card

I have had this account for close to a year. It has been on auto pay during that time. I have attached an accounting of my payment history. I changed bank accounts and realized that I had not corrected the information at Citibank in time for them to take the money out of the new account. I manually paid online the payment PRIOR to it 's due date ( XXXX ) and that payment posted XXXX. It came to my attention when I received a notice that I had a check not honored and that I had incurred a fee of {$25.00}. I researched my payment again and called Citibank. Even though I had made a payment PRIOR to the due date online, manually, Citibank still proceeded to take ANOTHER payment from an account that was closed AFTER I had made a valid and accepted payment prior to that date. I was connected to a foreign service and after much confusion and language issues, it was finally told to me that I CAN NOT make a payment outside of the auto pay. If I want to do that I have to call them, have them cancel auto pay and then proceed to make my payment. This sounds absolutely ABSURD to me. I 've had many auto pay accounts with other banks and if a payment is made manually before the due date, that auto pay is cancelled for THAT payment. It is a simple computer programming issue. NOT SO WITH CITIBANK. They have figured out a way to trap us into making multiple payments and paying a returned check fee for a payment that was n't even required! Furthermore, they add the fee to the outstanding balance and incur interest on top of that too! THEY WILL NOT REVERSE the charge even for an outstanding customer. I have paid off the account as of today with Citibank. I do not want to do business with a company, that for one ... I can not talk with anyone in a branch locally ( I can request to talk to a branch but that branch might be in another state ), and also an XXXX XXXX that is so intertwined with having overseas people handle their customer service. Branches are being closed everywhere it seems, my closest branch about 30 miles away is now closed. I have a Sears Card that is issued by Citibank ... I 'm canceling that and any other account I run across that Citibank is an issuing bank.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
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 XXXXXXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts : XXXX XXXX XXXX  Opened XX/XX/XXXX {$150.00} XXXX XXXX Opened XX/XX/XXXX {$220.00} Unauthorized fraudulent inquiries : XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Bank ) XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA )
Product: Checking or savings account

So I opened an account deposited some money. The first day I took money out they froze my account and said their fraud department was investigating some suspicious activity. So I waited the 5 days which the agreement says up to 4 to 5 bussiness days and am on the sixth day and can not access my money. Now they say they are closing my account but I still have no word on how I can get my positive amount in my account. I feel like I was targeted and they are playing with my intelligence. They breached their contract
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHMENT. THIS IS ANOTHER REQUEST FOR THIS FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get my free consumer report from Early Warning Services , LLC for over a month now but they have yet to send it to my email address. I made an account for their online portal and sent in the document & my ID that was required, but now when I try to login it won't allow me and when I click " forgot password '' it sends me an email telling me that I've been denied to change my password. It doesn't make any sense. 

I received a letter in the mail to call their XXXX number with my consumer ID number so they can verify it's me and to to get my consumer report. I called and talked to a woman on the line and was told I was put in the queue for the consumer report to be sent electronically to my email but it has yet to arrive. 

I've had no issue with getting my report from XXXX or from the three major credit bureaus who make it a much easier process. I don't know why EWS makes it so difficult.
Product: Money transfer, virtual currency, or money service

On XX/XX/, at approximately XXXX XXXX I sent a payment to an individual named XXXX XXXX thru XXXX for the amount of {$670.00}. He said the payment was complete and would send merchandise out. I sent him a message the following day, he responded. The following days he did not respond, I could see he had received and read the message from the identifier on the XXXX XXXX. 
I filed a dispute on the charge and explained what happened to Bank of America. They send me a letter said it was not approved.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Recieved email Thursday morning, XX/XX/year> claiming that they have put out a XXXX XXXX XXXX XXXX  I currently working on other collections and havent had the opportunity to work on this one yet Im the only one working in my family right now out of our family of four as me and my wife just had our son I try calling or using their website and it is not helpful at all and now Im having a XXXX XXXX having to call the cops and ask cause Im so worried about it as what would happen to my family as the only financial support would of been taken away
Product: Credit reporting or other personal consumer reports

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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2016 at XXXX I received a phone call from the phone number : XXXX requesting I call and speak to a representative with Balanced HealthCare Receivables. Upon returning the phone call I am notified for the first time of this debt and its advancement to the collections stage. I paid the debt via XXXX ending in XXXX on XX/XX/2016 for the full amount of the debt. I requested a receipt upon payment and was given a difficult time obtaining a receipt. During this initial and first contact about this debt, I informed the collection agency about my new location in California, not Florida, and was required to provide a Billing Zip Code for my Credit Card. Which would notify the collection agency of my relocation, even further. This reasoning is supported by the following statement that is verbally given during every phone call and on every letterhead from the collection agency : " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' Therefore, the collection agency has no reason to deny their knowledge of the " local time at the consumers ' location ; '' pursuant to Section 805.1 of the FDCPA. 

XX/XX/XXXX, after much consideration and receipt of the pay-in-full letter, with a plethora of grammatical and numerical errors, I decided that this debt is illegitimate and disputed it with my credit card company. I believe that Balanced Healthcare Receivables is not a professional entity, nor a financial regulation abiding organization. 

On XX/XX/2016 I, XXXX XXXX, received a phone call from the telephone number : XXXX at the time of XXXX PDT, which translates to XXXX EDT and covers all United States Time Zones in accordance with Section 1 for a call being placed at that time as " unusual ''.
Product: Debt collection

I received a letter from Debt Recovery solutions dated  XXXX / XXXX /   17  stating that i owed them, however, the current creditor is  XXXX   XXXX   XXXX   XXXX , and the original creditor is  XXXX   XXXX    XXXX   XXXX  .   On  XXXX / XXXX / 17 , I sent  Debt Recovery  Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies.   On  XXXX / XXXX / 17 , I received a letter from  Debt Recovery Solutions d ated  XXXX / XXXX / 17  with a bill from  XXXX   XXXX   XXXX   XXXX  showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo Customer since 2016 Undisclosed fees including penalty for paying off my car loan early.
Product: Checking or savings account

I had roughly XXXX XXXX and I believe it's XXXX hours taken over a XXXX span. I went kayaking and after was exhausted went to my room slept till the next day around XXXX and my account had been overdrawn and withdrawn cash XXXX transactions is what it was and it was not me and they said it was an authorized individual and I'm the only an authorized individual I immediately reported it when I seen the withdrawals in the morning they came back to me XXXX days later and told me that they weren't going to do anything. They've never even let me take out that much money at once. No explanation no nothing and I am in dire straits because of it still
Product: Checking or savings account

The beginning of XX/XX/2019 my work computer was hacked with severe viruses. My bank accounts were compromised before our IT Dept could address and fix the issue. This resulted in several issues with getting fraudulently funds returned to my accounts. This issue in particular has been on-going with M & T Bank since XX/XX/XXXX. After reporting the fraudulent charges I was told that I would receive an Affidavit in the mail and to return this to the bank. The closest branch to where I live is over 1 hour away. When I finally received the letter and affidavit from M & T Bank for signature and return the letter was dated XX/XX/2019 with a return to M & T Bank date of not later than XX/XX/2019 - I DID NOT RECEIVE THIS LETTER UNTIL XX/XX/XXXX ( why did they wait so long to mail this paperwork to me??? I phone the bank daily advising i still hadn't received and they assured me it was mailed ) which I immediately reviewed and noticed that out of 6 disputed transactions, they bank ONLY sent me affidavit 's for 5 of the 6 transactions. I signed the 5 affidavits and returned them by fax to M & T 's Fraud department fax number on XX/XX/XXXX and then again on XX/XX/XXXX - all of which included a letter from my employer 's IT Support company explaining the computer hack/virus problem. When I phone M & T Bank AGAIN on XX/XX/XXXX I was informed that they did not receive any of my documents that were faxed on XX/XX/XXXX or XX/XX/XXXX. I again faxed the documents for a third time that day XXXX XX/XX/XXXX ). As of today, XX/XX/XXXX I have not received any positive feedback or refund from the fraudulent transactions by M & T Bank. 
Fraudulent transaction list as follows : XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XX/XX/2019 for {$17.00} via XXXX XXXX value of fraudulent charges : {$100.00}
Product: Mortgage

Hello, My name is XXXX XXXX and I am issuing a formal complaint around deceptive sales practices by Rocket Mortgage involving mortgage contract XXXX, a refinance to mortgage contract XXXX previously held by Rocket Mortgage. 

On XX/XX/XXXX, XXXX XXXX with Rocket Mortgage reached out to me unsolicited, to propose a refinance on my existing mortgage held by said company, part of their promise to their customers initiative. Over the next month, XXXX would sell me on a refinance that would save me an estimated {$35000.00} in interest while simultaneously lowing my monthly payment by {$260.00}. 

On XX/XX/XXXX, I refinanced loan XXXX which had included, as per my HOAs terms and conditions, homeowners insurance with XXXX XXXX XXXX : Police number XXXX. This insurance policy was previously maintained by Rocket Mortgage via an Escrow withholding. However, with the refinance, the Rocket Mortgage officer, to inflate attractiveness of the proposed refinance, never disclosed that the price I was being quoted and pressured to sign, now excluded a withholding for Homeowners insurance in the escrow. At no point during our phone conversations, nor email exchange, was the topic of homeowners insurance being excluded addressed. A verbal conversation around Escrow savings was had, addressing a tax reevaluation windfall. The material change in the relationship between myself and Rocket Mortgage went undisclosed, misleading the true savings tied to the refinance offer. 

On XX/XX/XXXX, the homeowners insurance policy ( XXXX ) previously maintained by Rocket Mortgage lapsed due to non-payment. A letter, dated XX/XX/XXXX, was dispatched to Rocket Mortgage ( attached ) informing them that the policy had lapsed. No effort of communication to inform me of the development was made by Rocket Mortgage. At this time, I was now in breach of the terms and conditions as set forth by my HOA, while simultaneously exposed to financial liability. The lapse in coverage, went unnoticed until XX/XX/XXXX, when an attempted claim was made, only to discover no insurance was available. I must now burden tens of thousands of dollars of liability, additionally having to report to a hearing regarding my breach of Terms and Conditions set by the HOA, potential liability unknown.
Product: Checking or savings account

Wells Fargo is charging me overdrafts on days I receive my Direct DEPOSIT and then posting correctly. As on XX/XX/18 I received a direct deposit and after it cleared up my overdrafts I had XXXX I then charged XXXX and they charged me a XXXX overdraft. I also had money deposited all weekend. They are not applying the overdraft rewind correctly and I have multiple deposits. I have been overcharged overdrafts in excess of XXXX And XXXX of them not correct. They are also charging before items post and also not posting direct deposits correctly. Causing more overdrafts even when trying to deposit money to make current same day they are screwing up. Everything I deposit seems to just cover their fees which is ridiculous
Product: Debt collection

Mid-South Adjustment Co.p.inc phXXXX. Placed on my credit report a balance of XXXX and I have sent documents showing the statement showing my insurance paid and I sent copies of two checks showing i paid the balance of a total XXXX and yet they refused to take the negative mark off my credit report and I work for the government and paid my bill.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I applied for a {$40000.00} to consolidate credit card debt that was mostly incurred due to a job loss from a 23 year employer. I used XXXX XXXX and the approval rating was 90 % that the loan would be approved. I provided all information they requested and was turned down for credit card debt. First, I was paying off the credit card debt and secondly, this debt was available to them when I initially went through the prequalifying process. I have no delinquent credit on my credit report, I have a decent credit score and only one inquiry from last XXXX. There is no reason that this loan should not have been approved. However, it was and now there is an additional inquiry on my bureau that would not have been there had I not been led to believe the loan would be approved. I did respond to the company and explain this with no response. I am complaining about their marketing tactics.