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

Hello, Im facing issues with the recent purchase I made. The access link to the course provided by the seller is showing an error and doesnt work. Ive tried reaching out multiple times, but I havent received any response.

There was no specification regarding the access duration for the content, which is typically supposed to be lifetime. I filed a complaint with PayPal, but the seller hasnt taken any action. After a few days, my account was blocked, and my complaint was denied by PayPal. 
I dont understand whats happening. I havent received access to the course I purchased, and the seller hasnt been willing to resolve my issue. I request that they reconsider their decision and find a reasonable solution for my case.

Im counting on the support of the team, and I await a response.

Thank you.
Product: Checking or savings account

I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ). 

On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). 

On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved. 

Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XX/XX/XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Checking or savings account

Bank of America XXXX actions refuse to pay check when funds are present.
Product: Credit card or prepaid card

Hello, Today 's date is XX/XX/19 I have a First National Bank ( FNB ) of Omaha Orvis Credit with a {$3000.00} credit limit, which is paid off monthly. 

FNB allowed a transaction to be posted against my credit card which allowed my credit limit to be exceed. 

I have NOT opted in to over-limit fees so the expectation that any transaction is declined if there isn't enough available credit to cover it. 

I have contacted FNB and their representatives indicated have no hard stop of purchases that exceed credit limits as they find their card holders to be upset and they do not wish to have to communicate with them, so they allow over limit purchases.

I asked if I could have a hard limit set on my account and they said no, they can not do that.

I have contacted two ( 2 ) out of three ( 3 ) credit bureaus and they said that FNB should provide a later to sort this indicating FNB 's misstep. When this was communicated to FNB, they said no, they will not.

At this point, given the above I have to accept what appears to be a business practice of FNB that is in direct conflict with the " Credit Card Accountability Responsibility and Disclosure Act '' which indicates that over limit purchases should be declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Mortgage

I applied for a refinance loan through JP Morgan Chase on XX/XX/2020 and provided timely documentation to the Ms. XXXX  XXXX, Chase Home Lending Advisor. The process was slow. Ms. XXXX was apologetic each time, letting me know it was due to COVID-19.On XX/XX/XXXX, XXXX XXXX XXXX Chase Client Care Specialist ( who was assisting Ms. XXXX XXXX called to apologize for the continued delays but informed me, Chase ( she ) was waiting on the file ( settlement ) from my current lender ( XXXX  XXXX XXXX and I will receive a call in a day, possibly that Saturday, to schedule closing. 

A week went by and there was no call from Ms. XXXX. Around XX/XX/XXXX, I followed up with Ms. XXXX and XXXX about closing the refinance loan. I am a XXXX  and one of my XXXX, who was on a month-to-month XXXX, decided to vacate her apartment ending of XXXX.This was unexpected especially during outbreak - losing the XXXX  was a step closer to financial hardship. The apartment needed repairs and I couldn't lease it without completing projects. The lengthy delay XXXX XX/XX/XXXX - XX/XX/XXXX ) with Chase was affecting my need to make the repairs. After long wait for hearing from Chase, I emailed Ms. XXXX and XXXX on XX/XX/XXXX to inquire about the closing date of the loan. Ms. XXXX emailed on XX/XX/XXXX to inform me final audit of the loan was wrapping up. Between XX/XX/XXXX and XX/XX/XXXX, I desperately needed to repair an AC for my XXXX  but was not hearing from neither Chase representative. I called and emailed but got no answer from Ms. XXXX or XXXX. 

Around XX/XX/2020, Ms. XXXX called to schedule a closing date and we settled on XX/XX/2020. During this call, I discussed my having to repair the AC to MsXXXX XXXX asked whether Chase how it would affect the closing. XXXX stated, Chase would not run my credit again, or redo the paperwork for the application, but she would confer with her Senior team members. On XX/XX/XXXX, Ms.XXXX  called to ask for loan documents for the AC repair. I informed Ms. XXXX this has not occurred and will definitely not occur before XX/XX/XXXX ( closing date ). Based on my response, Ms. XXXX denied me the XX/XX/XXXX closing date and decided to delay closing to await this future transaction. I informed Ms. XXXX I was dissatisfied with Chase 's handling of the refinance loan process because of the significant delays, and now refusing to close unless they had paperwork on a $ XXXX transaction that has not occurred. I also informed Ms. XXXX I would like Chase to refund my {$500.00} application fee as they have decided to hold up closing. Ms. XXXX apologized, stating she knows it's frustrating the process took so long and asked I email her to request the {$500.00} refund and canceling of the loan. I did as Ms. XXXX suggested and email Chase XX/XX/XXXX, as well as on XX/XX/XXXX copying Ms. XXXX 's supervisor. Neither Ms. XXXX nor Ms. XXXX responded to my email. I believe XXXX tricked me into sending this email so I would not demand my {$500.00}, if they had it in writing I canceled the loan. Furthermore, as of today XX/XX/2020, the loan application is still open in my Chase account, and it has not been canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS
Product: Debt collection

AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear collection agent, I took a look at my credit report and saw a collection from you reporting on my credit. I am unaware of this debt and why it's even on my credit report. So therefore as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware based on what you are reporting that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due since there is no breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXXXXXX XXXX XXXXor them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by certified mail, Letter to collection to remove debt
Product: Credit reporting or other personal consumer reports

The following inquiries are not mine made by me nor authorized and occurred during my move from Louisiana to New Jersey and are on my credit report hurting me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX have tried calling the company and received no help i called Equifax and they told me to file a ftc complaint
Product: Mortgage

I have been trying to modify my loan over the last few months but have not received a response from the servicer, Bayview Loan Servicing. I had a previous sale date in  XXXX  and was able to get it postponed but since I submitted my new file on  XXXX   XXXX , 2017 I have not heard a peep or received any mail addressing my modification package. During the week of   XXXX   XXXX   through the  XXXX , I was advised that my account representative was out of town until   XXXX   XXXX  , so I have left 6 messages for her with absolutely no response. In the voicemails, I have been describing my situation and that I do n't want to lose my home in foreclosure. When I call the general numbers that I have for Bayview, I go in circles through their automated system and it just leads me back to the representatives answering machine. I have been going though this for the last week or so. I have an active sale date for  XXXX / XXXX /17 and need some answers from Bayview. Last month something similar happened and I was told that my house was going to be sold and I felt that I was getting blamed for Bayview not working on my file. I am simply just asking for a response from the servicer. I do n't know what else to do.
Product: Debt collection

In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim. 

Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate. 

Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received scam calls asking me to transfer money for the amount of {$950.00} and {$790.00} via XXXX Chase quick pay. Right after I transferred the money, I called the Chase bank immediately trying to stop the payment or recover the money. I was placed on the hold waiting for XXXX hour before talking to a real person. Then she told me I should talk to another online transaction department. Then waited another hour, they told me they were not able to reverse the transaction. Asked to to contact XXXX. XXXX couldn't help either. I wish the bank should have more loss prevention ability or have a track to get money back due to scam.
Product: Checking or savings account

Since I open my new account with PNC BANK .. in XX/XX/2019. I had problems..first I deposit XXXX in cash, but when I when in person 3 or 4 times and call the corporate number a couple of times they made up a story. Stating that I deposit XXXX. Second, I try to prink out statements but this bank do not give you a full detail statement.. they only show the balance.. which is not how banking supposed to work.. please help I report them to people who promise that they would call back and they never do.. I just want my money back that PNC BANK stole ... thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for XXXX it's XX/XX/2021 and for XXXX XX/XX/2021 in conclusin the reporting of XXXX XXXX XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts on my credit profile are continuing to show wrong status & account balance. I have contacted the credit bureau before. 

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

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

My father XXXX XXXX XXXX died XX/XX/21 his identity was compromised and stolen. His credit cards were used by unauthorized individuals and maxed out. My brother and I are the only next to kin, my brother was appointed executive of Estate. No one authorized these charges, the address on the account was even changed. We reached out to Capital one several times and spoke with the fraud department, but nothing has happened. My father had several credit cards with Capitol One, Kohls/Capitol One. 
The Capitol One ( partial Account # ) XXXX reflected on his credit report XX/XX/21 it was a balance of XXXX as of XX/XX/21 the balance increased from to a balance of XXXX. 
The Kohls card showed a balance of XXXX on XX/XX/21 as of XX/XX/21 the balance increased to XXXX.
Product: Credit card

I received a letter from U.S. Bank stating my credit card account is delinquent. I called and inquired as to how that was possible when I have " autopay '' activated. I was informed they notified me 6 months ago that the feature was being turned off and I would have to turn it back on. I never received this notice and I been presuming that my payments were being made as per my instructions. In the interim they have been charging me late charges and interest for each month. I have spoken to XXXX representatives who essential told me " tough luck. '' XXXX, I immediately paid the entire balance once I was made awarre of this debacle. If they were turning my " autopay '' off, which I deny receiving notice, why wait six months to let me know? I further believe that have reported on the trade lines that the account is delinquent, thus affecting my credit rating. I would like for the fees and interest to be refunded as well as the trade lines removed from my credit report. I might add that this smacks of class action to me because I am certain I am not the only person duped in this manner. Once this matter is resolved I intend to cancel the card.
Product: Debt collection

I write in regard to my former Best Buy Credit Card held with Citibank. I opened the credit card on XX/XX/XXXX with XXXX XXXX  and consistently paid the credit card on-time through automatic payments. Apparently, in XXXX, XXXX sold the Best Buy Credit Card portfolio to XXXX, and then in XXXX, XXXX sold the Best Buy Credit Card Portfolio to Citibank. ( SeeCitibank Press Release from XXXX, available at XXXX XXXX XXXX ). 

The reason I mention this is because when my credit card account was transferred from XXXX XXXX to Citibank in early XXXX, the processing of the payments was shifted to a new website. But in the transition process, my automatic payments that I set up previously for my Best Buy account did not transfer over despite my belief that the automatic payments would still be made. Additionally, at the time of the transfer, I moved addresses from XXXX, NJ to XXXX, NJ. As a result, I did not receive notification that automatic payments were not being made on the accounts. Consequently, my account became 120 days delinquent. It was only when I was contacted by a debt collector over the phone that I learned that the automatic payments were being made. Worse yet, the debt collector called my grandparents telling them that I was delinquent on a debt. It was obviously an attempt to embarrass me with my family and I was appalled that Citibank would contract with a debt collector who would engage in such tactics. 

Upon learning of the mistake, I immediately made arrangements for automatic payments to be made. But for some reason, the debt collector stop collecting the automatic payments only to begin harrassing me and my family members again with calls that I was not paying my debt, when I gave them all of the information necessary for direct deposits. Even though the debt collector messed up in collecting the debt, the account went into delinquency. 

By XX/XX/XXXX, I paid off the outstanding {$2200.00} debt Citibank Debt IN FULL including any and all late fees. What frustrates me though is the entire thing was caused by a less than seemless transition from XXXX XXXX  to Citibank XXXX which I did not consent to ), and by the harrassment of the debt collectors. The negative information has remained on my credit report for over six years now, even though it has been over four years since I paid the outstanding balance in full. Moreover, Citibank has not reported any new credit information on the account since XXXX of XXXX. Quite frankly it is outrageous that Citibank engaged a debt collector that engage
Product: Credit reporting or other personal consumer reports

A letter was sent to XXXX in regards to a bankruptcy that is being reported on my credit reports ; Experian, XXXX, XXXX and XXXX every month this year ( XXXX  ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the XXXX XXXX Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.