23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was the victim of a scam, and the bank turned down my claim for a refund. I was contacted via email about a job. The interview process and all subsequent communication were done through XXXX XXXX. I never spoke to anyone over the phone or through video chat. I looked up the company I thought I was applying to ( XXXX, a XXXX company in California ) and had the employment contract looked over by two others. It all seemed legitimate. 

After giving the false Accounting department my personal information ( Social, Driver 's ID, Account/Routing # XXXX ), I was emailed a check for {$3500.00}. I then sent this money via XXXX to the " vendors '' that were supposed to supply me with the work equipment for the job. After that, a second check was sent for {$2500.00}. The two together totaled everything I had in my checking account ( this only occurred to me after the fact ). 

The first deposit was made on XX/XX/2023, and the second on XX/XX/XXXX ( morning ). We were short on time ( so the " hiring manager, '' XXXX XXXX, claimed ) as training was to begin on XX/XX/XXXX, and I needed that equipment. No equipment, no job. I sent the money before the check cleared, but my account balanced out on XX/XX/XXXX after depositing the first check. All seemed good. The first check bounced on XX/XX/XXXX ( evening ), and the second 24 hours later. I immediately tried to get ahold of my bank ( on the XXXX ) to freeze the account, but customer service was closed & I couldn't do anything through the app other than schedule a callback time for the following morning ( it was almost XXXX at night ). XX/XX/XXXX, in the morning, I went to the bank, froze the account, filed a claim, and withdrew the money I had left. The teller who took my statement said I was unlikely to get my money back because I " willingly '' gave it over. 

A week later, I got a letter from the bank stating their " research confirmed we applied the transaction as you instructed, therefore, your account will not be refunded. ''
Product: Credit card or prepaid card

I've been in contacting Comenity/XXXX since XX/XX/XXXX about a dispute with XXXX on XX/XX/XXXX for a hotel. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX due to an infestation. I had XXXX days left on my vacation but I ended up booking an XXXX for the remainder of my time. Every time I contact Comenity/XXXX they close my dispute ( XXXX ) claiming I don't have enough information. I've typed out what exactly happened with dates, sent in pictures from XXXX saying that I would be reimbursed for the remainder of my stay and that the property XXXX agreed to that, and of course, after I check out it's a different story. The burden of proof is on Comenity/XXXX 's customers. Even when you send in proof they still force you to provide more documentation. At a certain point I assumed they would ask me for video footage of me checking out of the hotel! They claim you can dispute via message feature on their site however every time you send a message they force you to send more information that you already sent and tell you to print it out and send it via snail mail. I'm out almost {$700.00} because they refuse to actually look into the situation. I was told their job isn't to dispute inaccurate charges but to dispute fraud and that I need to work it out with XXXX even though they XXXX through their teeth and they allowed the hotel to keep funds that didn't belong to them.
Product: Payday loan, title loan, or personal loan

( my earlier complaint somehow got lost?? ) I received a car loan for a XX/XX/XXXX XXXX XXXX from U.S.Bank, XXXX XXXX, XXXX County, XX/XX/XXXX. It was paid off XXXX. The bank recognized the payoff XXXX and the XXXX County Clerk 's Office, Auto Titles, still have no record to clear my title. Two branches of the XXXX XXXX XX/XX/XXXX ( XXXX and XXXX ) have been contacted at least 7 times. I get apologies, no action that gives results Likewise for the XXXX and XXXX XXXX County Clerk 's Office. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 resident verify XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022 experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 experian XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX - XX/XX/2022 XXXX Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2022 XXXX have tried to dispute these inquiries but they have not removed them i do not recognize these at all and need them to be removed
Product: Money transfer, virtual currency, or money service

Coinbase has frozen my account since XX/XX/18 and Ive already tried countless times to contact them to fix the problem. Thanks
Product: Checking or savings account

On XX/XX/2023 I deposited a check for {$800000.00} into my Chase Bank checking account from a maker I have previously deposited large checks from before. Chase advised they will place the check on an extended hold which I was ok with. The check was released on XX/XX/2023 but they had already restricted my account. When I called them on XX/XX/2023 to remove the restrictions they stated they would not remove restrictions or release my funds until the maker of the check came in the branch with their bank statements stating they wrote the check. Regardless of me having deposited checks from the same maker before and the maker initialing the check by the date, amount, and their signature. They also stated they would close my account on XX/XX/2023 without an explanation why. Later that day on XX/XX/2023 they closed my account anyway and are still holding the funds from my check deposit. I have provided them numbers to the maker and even suggested getting an official letter from the bank the check is drawn from stating the check was authorized and has cleared the other account but they will not accept any of this and only state I need to force the maker to come in branch with their bank statements. I have called Chase regarding this almost every day since XX/XX/2023. Chase closed my account and the check is good and has cleared but they will not release it to me still.
Product: Debt collection

XXXX credit on behalf of PayPal claims I owe them {$2700.00} XXXX which is ridiculous. and now it's on my credit. This is not my charge and it needs to be removed.
Product: Debt collection

I was threatened to be sued by Portfolio Recovery account # XXXX without being provided with proof that I owed such debt. According to the 15 U.S.C. 1681 law there should not have been any damages on my credit report which was a defamation of my character. I was harassed at least 3-4 times a day by phone. I was eventually served court papers and was advised that I must pay such debt or risk being garnished. Although, I tried obtaining proof of debt prior to being served legal paperwork. On XX/XX/21 I agreed to settle the debt to avoid a judgement against me. I was already laid off my job as a result of covid and this additional burden was too much. I made a decision to agree to something that was not valid. I XXXX XXXX  at the time and the harassment caused emotional distress which resulted to me having a XXXX XXXXXXXX. As a result, I had my baby XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and i am a victim of identity theft. CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP ONE NA XXXX CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED WITH FTC, i HAVE WRIITEN ALL THREE CREDIT BUREAUS I HAVE PLEADED WITH LENDER, THIS IS PREVENTING ME FROM BUYING A HOME..
Product: Credit card

My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.
Product: Credit reporting or other personal consumer reports

I notified Equifax that there are inquiries on my consumer report that i didn't authorize or have knowledge of. I uploaded the document that proves that my information was compromised and that my data was breached. They still haven't removed the fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

After checking my consumer report, XXXX XXXX  Acct # XXXX and XXXX XXXX  XXXX XXXX Acct # XXXX is reporting a XXXX, XXXX, XXXX, and ND ( No data for this period ) delinquency late payment ( XXXX ). I am demanding the following XXXX, XXXX, XXXX, and ND ( No data for this period ) day delinquency late payment ( XXXX ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( XXXX ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXXy be disclosed to such third party ; ( B ) I the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) 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 as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.
Product: Credit reporting or other personal consumer reports

I reviewed my latest credit report and there are some unauthorized inquiries that i do not recognize. 
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
Product: Debt collection

On XX/XX/2021 Waterfall Revenue Group reported a collection account to XXXX, XXXX and XXXX Credit Bureaus stating that I owe them {$1000.00} I sent them a cease & desist by certified requesting that all reporting be ceased immediately, unless they can provide me with ( proof ) of an agreement between them and myself with my signature ( wet ink ). ( Violation- 15 U.S. Code 1692g ) They have not, I did receive my verification that the mail was signed for ( received ) they have yet to cease reporting this collection account and it is causing me hardship and is a violation of my consumer rights according to U.C.C. 1-308.4
Product: Credit card or prepaid card

XX/XX/XXXX - CFPB ID No. XXXX On XX/XX/XXXX, I wrote Barclays, acting as Debt Collector, stating that I have already presented/submitted all documentary evidence to prove that I have not receive the order. Since they charged my credit card for the price of the order amounting to {$71.00} and continue to charge monthly interest thereto, since XX/XX/XXXX, I demanded proof of delivery. 

I am having XXXX  and XXXX XXXX, since XX/XX/XXXX, due Barclay 's refusal to credit my card and stop charging interest, even though the Vendor, XXXX XXXX, can not even produce a semblance of proof of delivery, much more their claimed that I signed delivery receipt on XX/XX/XXXX. 

This is tantamount to violation of Fair Debt Collection Practice Act, for acting as Debt Collector of a Vendor, Staples Direct.
Product: Credit card

I am writing to file a complaint against HSBC regarding the handling of my HSBC XXXX XXXX account. I recently made the decision to cancel my HSBC XXXX XXXX account as I no longer required its services. However, prior to the cancellation being finalized, I inadvertently made a payment to the account. Subsequently, I find myself in a situation where I am unable to settle the remaining balance as I do not have a checking account in the United States. 

The payment in question, totaling {$48.00}, was made on XX/XX/XXXX at a restaurant. Despite my efforts to rectify the situation and settle the outstanding balance, HSBC has failed to provide any viable solutions. I have attempted to reach out to both HSBC Premier customer service and the collection service, only to be met with the response that without a US-based checking account, I am unable to settle my card. 

This lack of alternative solutions has resulted in HSBC imposing late fees and accruing interest on the remaining balance. It is extremely frustrating to be penalized for a situation that could easily be resolved if HSBC provided reasonable options for payment.

I am seeking assistance from the Consumer Financial Protection Bureau to intervene in this matter and facilitate a resolution. I urge HSBC to reconsider its stance and provide alternative methods for settling the outstanding balance on my HSBC XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i saw that XXXX XXXX XXXX and first premier bank both had put hard inquiries on my credit report to all XXXX major credit reporting agencys and i contacted both XXXX XXXX and XXXX XXXX  and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX XXXX address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of XXXX credit agencys XXXX XXXX and traansunion and told them about credit XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and transunion XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or XXXXvalid ssn or valid address which proves they crooks and out to cause XXXX and harm to people credit as they add fradulent data too ddam easily with no verification at all
Product: Credit reporting or other personal consumer reports

I am writing to file this complaint because on XX/XX/2024, I mailed a notice of dispute to XXXX in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of XXXX days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/ Date that I discovered it : XXXX Total fraudulent amount : {$3000.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My girlfriend and I moved from an apartment complex 4 months ago. XXXX. The local police and apartment complex were notified. We moved out of the apartment a week later in fear for our well being. Today, my girlfriend was contacted and and verbally assaulted by multiple employees from IQ Data International. Stating that if she does n't make a full payment of $ XXXX bad things will happen, along with a slew of curse words. She called back to get more information and was again verbally assaulted. My girlfriend contacted the apartment complex and the manager felt bad about the whole thing but said it is out of her hands.
Product: Credit reporting or other personal consumer reports

Accounts still remaining in question as of XX/XX/XXXX that do not belong to me : Equifax : -Diversified XXXX XXXX XXXX balance {$830.00} -Professional debt Me-Open medical balance {$690.00} -credit score incorrectly lowered on XX/XX/XXXX by XXXX points when no accounts were removed or added to credit profile. 

-Please remove all addresses and contact numbers incorrectly reported. Previously provided correct address and contact number Transunion- XXXX XXXX XXXX Open balance {$830.00} XXXX XXXXXXXX Open balance {$410.00} Hard Inquiry-XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} XXXX XXXXXXXX XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX- {$250.00} XXXX XXXX- {$230.00} Delete all addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

Also requested an annual copy of my credit report and was denied a copy. Please mail XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX Experian- Professional medical debt/Collection account- {$690.00} XXXX XXXX  XXXX Open balance {$830.00} XXXX XXXX- Open balance {$410.00} Hard Inquiry-XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX- {$230.00} XXXX XXXX XXXX Name XXXX XXXX XXXX ID XXXX : XXXX XXXX Name XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX ID XXXX XXXX XXXX Name ID XXXX XXXX XXXX Address ID : XXXX XXXX XXXX addresses- Current and only XXXX XXXX XXXX XXXX FL. XXXX XXXXCurrent and only phone number delete all others. 

XXXX : ending XXXX SSN : ending XXXX XXXX ending XXXX XXXX ending XXXX
Product: Debt collection

Theyve contacted me via email, phone calls Since XX/XX/XXXX they been contacting me multiple times as Ive been working. 
Today XX/XX/XXXX they called me again while Im at work with manipulative and threatening tone. 
XXXX XXXX has contacted me from Phoenix Recovery Group, I have no contract with that company also I do no know who are they to be reaching out to me. 
Ive told them to reach me via mail, yet they still choose to call me. 
15 U.S.C. 1692d
Product: Vehicle loan or lease

Initially XXXX was " not receiving '' automatic payments and i chose to refinance. This account was paid in full in XX/XX/XXXX. An additional XXXX was paid to avoid extra fees. I then called consistently trying to get them to close the account and release the title. That was not completed until XX/XX/XXXX. They stated the refund had been mailed on XX/XX/XXXX, it was dated for XX/XX/XXXX. The amount was XXXX. This is XXXX less than I should have been refunded. I continue to call and ask for documentation or reasoning but no one is willing to provide any information.Please help me!