23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX an unauthorized transaction was made to XXXX XXXX ( ... XXXX ) in the amount of {$840.00} by XXXX XXXX. 

The fraud was reported on XX/XX/XXXX and the provisional balance was provided to the account. 

On XX/XX/XXXX, the fraudulent charges were again posted to the account. I noticed the charge was posted on XX/XX/XXXX. I called on XX/XX/XXXX to appeal the result of the investigation. The result of the initial investigation was not mailed to my home, but was instead hidden in a hard to find messaging center within their website. No other notification was provided to me. The representative on the call self-admitted it was hard to find and they are working on fixing the issue. 

The rep then told me the evidence they used to conclude the investigation was that my IP address matched what they had on file. There was no other evidence to report. 

The rep re-opened the investigation per my request with the additional commentary which is that : 1. The un-authorized transaction is NOT consistent with my lifetime transaction history on the account. I only use the card for Amazon and XXXX XXXX purchases. 
2. A matching IP address is not sufficient evidence to conclude an investigation. A device can be hacked or an IP address can be spoofed by a bad actor to commit fraud. 

I have not heard from Chase since the investigation was re-opened.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XXXX : {$230.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Went to Bestbuy store to meet seller with BestBuy unscratched gift card for sale.
Asked clerk to scan & verify the current amount on card, {$250.00}.
Amount correct, buys from seller.
Went home to make an purchase on Bestbuy.com & card has now a {$0.00} balance. Lost {$200.00}.
Product: Debt collection

Financial Protection Bureau ( CFPB ) Re : Bank of America - Ongoing Financial Misconduct and Credit Damage Date : [ Current Date ] Dear CFPB, I am writing to file a formal complaint against Bank of America ( BOA ) for their continued pattern of financial misconduct, which is severely impacting my credit score and jeopardizing my ability to secure housing. This complaint is a follow-up to previous grievances I have filed, as the situation has not improved and has, in fact, worsened. 
Background : Following my initial complaints about fraudulent transfers, BOA closed all my accounts, including a credit card. 
Despite the account closures, the credit card continues to accrue interest, negatively impacting my credit score. 
I have been systematically denied access to online banking services, preventing me from managing my accounts and making payments. 

Recent Developments : BOA has effectively weaponized their private wealth management team to restrict my ability to pay off my credit card debt. 
My only option for payment is through phone calls, which has proven unreliable and potentially manipulated. 
A recent attempt to make a payment before the 120-day past due mark was unsuccessful, resulting in additional penalties.

When calling to address this issue, I was informed that collections are responsible for processing these payments but are unavailable on Sundays, further delaying resolution.

Specific Concerns : Deliberate Obstruction : The continued technical issues preventing online access appear to be intentional, designed to hinder my ability to manage and pay off my debt.

Retaliatory Practices : The pattern of account closures and subsequent obstacles strongly suggest retaliatory action for my previous complaints.

Credit Score Damage : The ongoing interest accrual and reported late payments are causing significant and potentially long-lasting damage to my credit score.

Housing Jeopardy : As a direct result of these actions, my ability to secure an apartment is now at risk due to my compromised credit standing. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent this company a letter, police report advising them I did n't owe them any money, they refused to accept the letter and told me if I didnt pay the bill, that i was going to be arrested for a bad check. I asked them remove this from my credit that I disputed the bill, and requested for management they refused again and hung up the phone on me. Spoke with a male collector who refuse to give me his name. I have never received any letter from this company of their initial 30 day dispute letter.
Product: Debt collection

I paid this account to portfolio recovery from XXXX it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also XXXX goes and also reports the same account as ... a charge off they XXXX sold the account to portfolio recovery and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why XXXX still reporting it.. I need some help on this..
Product: Credit reporting or other personal consumer reports

XXXX XXXX bank is reporting a charged off account where it shows me as an authorized user. As an authorized user, I am not responsible for this balance. I have written a letter to XXXX XXXX bank and on XXXX and have not received any information. I have asked them to stop reporting this and to delete it from my credit reports. It is reporting on all 3 credit bureaus.
Product: Checking or savings account

Disputed a charge to XXXX XXXX XXXX  with Chase Bank on XXXX XXXX, 2020, in the amount of {$2200.00}, for items not received. Chase asked for a letter from a Third Party, which we obtained two letters. 

Chase initially provided a credit then reversed the credit on XXXX XXXX, then reversed the credit on {$2200.00}.

The explanation we get from Chase is different every time we call! In the meantime, we have to spend over {$3000.00} with another vendor as we can not get XXXX XXXX XXXX on the phone, to return any phone calls, nothing! 

We paid with our Chase Visa Debit card thinking we had some sort of protection, especially since they charge the vendor/merchant a fee to process the card!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters within a span of 30 days in regards to incorrect information on my credit report and still have not received any update on the investigation.
Product: Debt collection

I have a negative remark on my credit report with REGIONAL ACCEPTANCE since XXXX. 
On XX/XX/XXXX I requested the following documentation : Please provide copies of the legal notices sent to me along with proof that the vehicle 's resale was completed commercially reasonably as required by law. 

The laws of the state of FLORIDA and Ucc 9.506 along with XXXX XXXX XXXX Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. The consumer must be permitted a certain time to cure and/or redeem which is not available if the proper notices are not submitted. 

On XX/XX/XXXX I received a notice from Regional Acceptance saying that The letter I sent was from a credit repair company which I have not hired anybody to resolve the issue I have with Regional Acceptance, I believe this company uses this tactic to not provide a customer with what the customer required from this company. 

On XX/XX/XXXX I wrote again telling them I did not use a credit repair company and for them to provide the documents I requested. I received a letter from them on XX/XX/XXXX saying the account I am disputed is valid and they won't change the information on my credit report. 
This is a clear validation of FDCPA, Reginal Acceptance never provided the documents I requested by law and still keeps reporting this negative account on my credit. I demand this company after refusing to provide me with copies of the legal notices sent to me along with proof that the vehicle 's resale was completed commercially reasonably as required by law, remove this negative account from my credit report.
Product: Credit card

Discover credit card, Still hasn't sent anything about any program for the pay off or collections! I still get treated pretty poorly and very little help from any department. My account again is in locked our and bad account status... I've been dealing with company for over XXXX years doing this and blocking my number, long hold times, some XXXX XXXX however you spell her name sending Me letters with contact information and can never get a hold of her. I'm very frustrated and such with this company
Product: Prepaid card

Around XXXX I attempted to purchase a XXXX online from XXXX for XXXX. Before I made the purchase I talked to my friends, online searchs for reviews, and relied on past shopping experiences. I guess I was the XXXX chosen to be scammed because I never recieved the product. I filed a refund request with the business and they denied refunds. Cash App is denying the refund because the funds were sent to a private account versus a business account. I am not claiming discrimination but I am on XXXX for cognitive inpairments. I chose to use cash app because the website gave me the impression I was being provided with a high level of protection from scammers. I did not see anywhere that there was even a difference in accounts. I have screen shotted the chats with cash app and the seller
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT # XXXX XXXX illegally sold a fake account to XXXX XXXX XXXX in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA . 

It is prohibited to sell an account that was reported as fraudulent. I reported the fake account that was created by XXXX XXXX to XXXX when I discovered the criminality. XXXX, went ahead and sold the account to the criminal collection agency in violation of Federal Law. See attached Fraud Alerts on my CRA 's and documentation with the IRS. 

Special Agent XXXX XXXX with the IRS-CID and Special Agent XXXX XXXX, specifically communicated to me that the XXXX XXXX has been stealing ID 's. In fact, there is another person in California and Florida using my credentials. The XXXX  would also use a person 's mailbox itself and snagg the incoming mail before persons would return from work. This is how sophisticated these XXXX XXXX   are.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2020, I made an online purchase in the amount of {$98.00} using Cash app by Squareup. The payment processed and I was sent an acknowledgment that the transaction was complete. Due to a staffing shortage with the distributor ( COVID-19 taking off ), I knew that the product would be arriving late. I put it out of my mind. Around the time that the product was scheduled to arrive, I received a notification that a transaction in the amount of XXXX from the same distributor had been declined for insufficient funds. I attempted to resolve the issue with XXXX ( vendor in question ) but they have been running a skeleton crew for obvious reasons. I did finally get word that I should contact my financial institution to determine why the payment had not been forwarded. Cash app, however, has terminated my account and will not tell me why. They are also unwilling to discuss the missing XXXX that was deducted from my account but did not reach its destination. The icing on the cake is that since my account was terminated I lost access to my app and all of the transaction notifications as well. I have included copies of what little documentation I could find in support of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX  bank # XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX Experian XXXX XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.
Product: Debt collection

I was contacted on XX/XX/2021 by a local number. They called again on XX/XX/2021 and I answered. The call was coming from Louisiana and when I asked her where she was located she said California. I was transferred to someone else that was telling me they were going to sue me and issue a judgment for breach of contract on credit card debt. They claimed to have attempted to serve me legal papers but I have not been served. I never received the original letter they supposedly mailed. The debt is from XXXX and now they are maki g threats
Product: Checking or savings account

On XX/XX/year> I closed a Wells Fargo CD ( XXXX ), {$20000.00} I was told that it takes 2-3 business days to transfer the money into my personal account. After 4 business days the money is still not in my account and now is no longer showing in my online banking ; I called the bank but the person I talked to just kept saying that the funds were transferred but she couldn't provide me with any proof of the transfer and that someone will call me in 24-48 hours or I will see the money in 2-3 business days. 
The money is gone and nobody is providing me with the answer- where is the money.
Product: Consumer Loan

I purchased a vehicle through XXXX XXXX in the state of Illinois. I payed off the remainder of my car loan in full this year in XXXX. I waited over two months to receive my title in the mail and did not receive nothing. During that time I was receiving calls from Westlake Financial stating that I still owed a remainder on my car loan. They had explained to me that XXXX transferred my account over to them but never why. I told them I had pay off the remainder of my car loan, so they asked for verification in which I had faxed over proof several times. Westlake Financial had told me they were going to send my title, they just needed verification, and that it might have been an error in XXXX system. Repossession has also been coming to my home trying to reposes the vehicle that is already rightfully mine. I still have yet to receive my title in the mail after I have faxed over proof to Westlake Financial numerous times, stating that there going to fix the situation and send me my title. Westlake Financial still calls to this day stating that I owe payments on my vehicle so the situation has not been taken care of.
Product: Credit reporting, credit repair services, 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 XXXX  Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or 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: Mortgage

I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.
Product: Debt collection

They left a voice mail. I called back and left voicemail. No one returned my call. Called back XXXX the manager was very rude. Would n't give me the name of the business would n't explain why he had left the initial voicemail. He then hung up. I called back spoke with XXXX who advised me what company he was with. He then connected me to XXXX. XXXX told me he would report me to the police if I called back. I told him I wouldnt call back if he would just explain what was going on. He hung up. I called back he again said I was harassing him and I told him if someone has stolen my identity I needed know. He then did the whole harassment speech and refuse to provide the information of contacting his manager. 

Creekside recovery
Product: Bank account or service

HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. 
I am hereby filing my Complaint against XXXX banks. 
1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. 
These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. 
They have reported me to the XXXX in which I want my name removed. 
I feel im entitled to have a bank account without this hassle. 
I owe no fees 's with Citizens or XXXX XXXX XXXX. 
If i want to open somewhere else i need to get this matter resolved. 
These banks are in massachusettsSincerely yours, XXXX XXXX XXXX
Product: Checking or savings account

My problem is with First Data which is a credit card processing company. They proccessed my credit card transactions for my small business, XXXX XXXX Hawaii. 

My contract ended in XX/XX/XXXX but they continued to bill me. They acknowledged that they owe me {$510.00} and said they transferred money to my bank account. It turns out that they attempted to transfer it to my old checking account at XXXX XXXX XXXX which was odd as they've been depositing and debiting money in and out of my current account for about two years prior to this supposed transfer. This was according to XXXX on XX/XX/XXXX, who is one the managers. He said he'd call me back but never did. 

I called again on XX/XX/XXXX and left a message for XXXX to call me back and he didn't call. On XX/XX/XXXX, I called again and talked to XXXX who got my current checking account information and he assured me the money would be transferred to that account. 

On XX/XX/XXXX I left another message with XXXX to call and, once again, he didn't return my call. I called later that day and he told me the money should be in my account on XX/XX/XXXX. 

On XX/XX/XXXX the money still wasn't transferred so I called and talked to XXXX. She put me on hold and said that she walked over to the finance department and watched them transfer the money and it should be in my account within 5 - 7 working days. 

It was never deposited so on XX/XX/XXXX I called and explained the situation to someone who didn't give me his name. He transferred me to XXXX 's line and I got her voice mail but didn't leave a message. I called later that day and talked to XXXX ( I'm not sure I got the name right but it sounded like a female ). She told me XXXX was out to lunch but assured me that XXXX would call me back within an hour. Needless to say, I did not receive a call back from XXXX. 

On XX/XX/XXXX I left another message for XXXX to call me but he hasn't. All the people that I talked to at First Data confirmed that I was overcharged the {$510.00}. Today 's date is XX/XX/XXXX and there is still hasn't been a transfer from them into my checking account for the {$510.00}. 

I have no email trail as you can not correspond via email with this company. Your advise would be greatly appreciated. Thank you.