23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, i was charged a fees of {$100.00} by Discover credit card. I used the credit card for XXXX XXXX but was not made aware that this will be treated as the cash advances. This thing was not disclosed to me by Discover and was also not disclosed to me by XXXX when I was making the transaction. 

I as totally unaware of this cash advance thing and have never used this before on any of my credit cards since last 10 years or so and hence was surprised to see this charge.
Product: Debt collection

I completed an application for XXXX at XXXX apartment complex. Once they received my money, the stopped all communication. I called for several days and into the next week with no response on a decision in regards to my application. I called my bank due to believing it is fraud. XXXX XXXX XXXXXXXX then had someone call me stating they were from Hunter Warfield to collect debt. They man was extremely rude and was yelling over the phone. He then threatened and said I " better pay the debt '' or he would report to the credit bureau and " ding my credit ''. He also told me to let him know when I got a lawyer. I tried calling the complex again last week with no response. It is like they are screening my calls. They had great communication until they received my payment.
Product: Money transfer, virtual currency, or money service

We are a XXXX  XXXX company in Utah and participated in a local festival XX/XX/XXXX through XX/XX/2019. We used the PayPal Here app to process debit and credit card transactions for the sale of our XXXX  XXXX XXXX and prepared XXXX drinks. Sales from this activity generated approximately {$1300.00} in revenue over the three day period. On Monday XXXX, XXXX, I tried to transfer the funds from the PayPal account to our business checking account. I was informed that {$500.00} was available to withdraw, but {$860.00} would be held for up to 30 days to guard against financial risk. In email communication with PayPal personnel, I was told " An account reserve is an amount of money set aside in your PayPal account to help make sure that you're able to meet any liabilities you may incur from a chargeback, claim or bank reversal, where no other money is available. The reserved amount still belongs to you but is unavailable for use ( including withdrawal ). '' The items for sale at the festival largely were consumed immediately by the purchaser, or if not, the purchaser took home a bag of {$14.00} XXXX XXXX. I could understand a two or three day hold, but feel 30 days is excessive. I asked directly exactly what date the funds would be available and have not been given that date. In the meantime, I am checking every day to see if we are able to make the transfer. I believe we will eventually get the funding, but the State of Utah requires sales tax to be paid by the end of this month and not having complete access to the funds represents additional hardship. Would appreciate any assistance from the CFPB in understanding how/why this practice is acceptable. Thank you.
Product: Checking or savings account

On XX/XX/year> I placed a complaint ( XXXX ) regarding fraud activity with my account in which I had been trying to rectify since XX/XX/year>. After numerous calls, complaints, claims, visiting branches, placing a fraud claim, I was reimburse some money back in XXXX. Since then, I have been trying to recover the rest of my money. Again, claim was denied even though the transactions were all done at the same time. 

The two transactions owe to me are a total of {$6200.00}, one of {$5100.00} and another of {$1100.00}. Once again, I placed another claim for the remaining amount owe to me and again claim was denied. Letter states that transactions were authorized. Transactions were transferred to an account that was already established to be fraud, an account that was opened without my authorization as a joint account which took place in California and I live in Florida. 

I was a faithful customer for over 20 years, the treatment I have received in trying to retrieve my money is unfair and unjust. This has cost me unnecessary pain and suffering. 

Attached are documents showing the transactions moved to the fraud account ending in XXXX from the actual account ending in XXXX and the denied letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing on my credit reports that Santander Consumer USA did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Santander Consumer USA responded by stating that my credit was pulled on behalf of XXXX XXXX XXXX. I have never visited XXXX XXXX XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX XXXX.
Product: Mortgage

So on XX/XX/2021 i started the process of getting my home refinanced. Today is XX/XX/2021 and i have not been told if im approved if i will close. every month they just keep asking for more paperwork which i have given them. and each week i get a call since XXXX that it is in process and we are working to get it expedited. and now they are asking to rerun my credit i have to keep extending my rate lock and i keep watching my credit drop over and over again the more stuff they ask for. this is a joke that has taken over 5 months and it is still not complete. they will not allow me to talk to any supervisors. they just said they are working on it. i am over this process and need help to get this resolved.
Product: Checking or savings account

I have a Checking account with TD Bank, and on XX/XX/XXXX I had funds in the amount of XXXX dollars in the account. On that same day a check was debited out of my account for XXXX, and a pending transaction for {$48.00} leaving XXXX in the account. On XX/XX/XXXX funds were debited out of my account for XXXX dollars, which of course sent the account into overdraft which I understand. An over draft was assessed to the account on XX/XX/XXXX and I then deposited XXXX dollars into the account on XX/XX/XXXX. Now this is where it gets interesting, also on XX/XX/XXXX that same fee for XXXX dollars that was PENDING and already debited out of my account is posted and TD charges an overdraft fee for this! So I am being charged an overdraft fee 2x for the same transaction, or being charged for what I see as incredibly unfair lending practices. To rehash XXXX is the amount in the account and a rent check comes out for XXXX, and there is a pending charge of XXXX, leaving me with XXXX dollars roughly. Then XXXX is debited out of the account and I am XXXX dollars in the negative, thus a XXXX dollar overdraft. However, immediately after this TD now fully recognizes the XXXX dollar charge which was pending and Overdrafts me again. What TD did was hold the XXXX, so when the XXXX was withdrawn I became overdrawn and was assessed a XXXX dollar fee. Then TD no longer holds the XXXX and even though the funds were already accounted for I get another charge how this possible? If this XXXX dollar charge was debited out of my account and is what caused the XXXX debit to be a negative balance, then how can it also be added to my account in NAME only and I be charged again???
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICE SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR XXXX XXXX  ACCURACY. 

HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX ( XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

They have been reporting an account thats not mine. No $ has been paid by any of my bank accounts to this one credit card account. But they are still refusing to delete this account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX - I ordered an item with my XXXX XXXX XXXX XXXX credit card. I returned it immediately due to faulty manufacturing. 
XX/XX/XXXX - the return of the item posted to my XXXX XXXX  account XX/XX/XXXX- I was charged interest on the item i returned. I was unaware of the charge thinking that no balance was due since the item was return and the account had a XXXXXXXX XXXX prior to this purchase. 
XXXX XXXX- I received a 30day late mark on my credit repot and. XXXXXXXX  point drop. I Filed a dispute with the credit bureaus but XXXX XXXX  still has not removed this error. They also dont have a number to contact their dispute center you can only contact by mail and i havent received a response. 

This is fraud i will forced to hire legal representation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my personal file : 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 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 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
Product: Checking or savings account

Im a student at XXXX XXXX XXXX XXXX, in NC. I had my first car purchase financed through XXXX XXXX XXXX. I have been a customer with them since XXXX, XXXX. I recently refinanced through XXXX XXXX XXXX XXXX in XX/XX/XXXX. Due to refinancing, I received a check from XXXX XXXX for an amount of {$70.00} on XX/XX/XXXX. During this time, I was also waiting on the arrival of my student financial aid check ( state ). It turns out I accidentally put in the wrong banking information for my check to be direct deposited into. I put the account and routing number at the bottom of the {$70.00} check that they sent me. Below I attached an image of the check to see the banking information. I also am attaching an email confirming the trace of my student check, showing that it indeed went into that account, which I was told was a business account. Once I realized I put in the wrong information, I immediately changed it momentarily, however I was too late. I reached out to the school and was told that since I put in the wrong information, I authorized the check to go into that account and that there was nothing they could do. So I decided to call XXXX XXXX, which is the bank that XXXX XXXX with, and they told me that they could not just take the money out of their account, even if it was a mistake and didnt belong to them. After that, I decided to take it upon myself to contact XXXX XXXX. I filled out several requests to speak with the CEO, but never heard anything back. I spoke with several customer service representatives, trying to explain the problem, but I had no help. I was told multiple times that Id be called back, regarding more information, but never was. Finally I talked to someone who seemed to understand the situation and he told me that I would be receiving a check with the full amount of my student check which was {$940.00} in 21 business days. I asked for his extension in case I had any problems and he gave it to me. It has now been 28 business days, and I called the extension to speak with him to see if he had any information on when it may be arriving, and the telephone operator told me that it was an invalid extension. The amount of {$940.00} was deposited into XXXX XXXX  on XX/XX/XXXX. I was supposed to receive this check to help pay for my school expenses. I had to take out of my own pocket, during this pandemic where I was left jobless, to pay for these expenses myself. This bank treated me and my situation very poorly when the money wasnt theres first to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX XXXX .... 
Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$2400.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX Balance {$0.00} ; XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$71.00} ; 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 CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX request XX/XX/XXXX ; XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX/XXXX  Date of request XX/XX/XXXX ; XXXX  XXXX, XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX-XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX/XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Mortgage

I provided a {$0.00} tax bill and XXXX VA XXXX saying I'm 100 % XXXX and also 100 % retired from XXXX. They continued to miscalculate my mortgage and charge me for property taxes I am not responsible for. They are holding {$22000.00} of my money for taxes I have a {$0.00} bill for and have initiated XXXX XXXX on me for my complaints. 

The mortgage company doesnt answer my calls. They actually owe me money but are accelerating because i failed to make only XXXX payment for less than they owe me.
Product: Credit reporting or other personal consumer reports

They have contacted me on from XX/XX/year> to XX/XX/year> numerous of times and I've requested a XXXX due to it stating charged XXXX off. They keep stating that it is not in collection every time I request it. I am writing to formally dispute the reporting of canceled debt related to my account with your institution. I believe that this matter has not been handled in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX  XXXX ( XXXX ) ( B ), which requires the maintenance of accurate and complete information in consumer reports. 

It has come to my attention that [ describe the issue, e.g., a canceled debt has been reported inaccurately or without the issuance of a Form XXXX as required by the XXXX XXXX XXXX To resolve this matter, I request that you provide the following : A copy of Form XXXX related to the alleged canceled debt, in compliance with XXXX  requirements XXXX 
Documentation verifying the accuracy of the reporting of this debt, including the date of cancellation, amount, and applicable details. 
Immediate correction or removal of inaccurate information from my credit file, if applicable. 
Under XXXX XXXX. XXXX ( XXXX ) ( B ), you are obligated to ensure that all information you report is accurate and up to date. Failure to do so may result in further action to protect my rights under federal law. 

I request a written response to this dispute within XXXX  days, as provided by the FCRA. If this issue is not resolved to my satisfaction, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal advice. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I have repeatedly contacted the bureau for validation and verification which they never provided because of their illegal practices. I have repeatedly contacted TransUnion consumer relations department and they tell me they are allowed to unlawfully report every single month on a debt I do not owe and they do not own. They refuse to provide proof of verification of ownership of debt.

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$590.00} EXPERIAN INQUIRIES : XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My Paypal account has been permanently limited/blocked and was sent an email that I can no longer use Paypal and would be able to get my funds released after 180 days. They haven't specified as to what was the reason my account would be blocked. 

As they have requested, I provided proofs or kind of explanation that the payment I received was from a sale of digital goods and services on my Paypal account, thus, no tangible items were involved, no physical items to be shipped, etc. However, I was able to explain what the source of payment was for, which was for the virtual transactions of goods and service I provide for online gaming like, level-up tasks and online gaming items I sell, which are all virtual items, no physical items that needs to be shipped. 

I would like to ask for your help to restore my account and access my funds through Paypal. 

My Paypal account email : XXXX XXXX : XXXX
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2022 I logged into my chase mobile banking app and found three occasions of fraudulent activity. The first two transactions were made on XXXX XX/XX/2022 at XXXX and the third unauthorized transaction was placed on XXXX XX/XX/2022 at XXXX. The first transaction was for {$1000.00}, the second transaction placed at the same time was also for {$1000.00}, and the third transaction was placed was for {$1500.00}. Each transaction was made through a banking feature called XXXX. I called Chase and was transferred to a dept that handles XXXX fraud charges and was asked a series of questions. Afterwards the rep agreed the activity appeared fraudulent. I was then transferred to a different dept to change my login info. 

On Monday XX/XX/2022, three reversal payments were deposited back into my checking account ; one deposit for {$1000.00}, a second for {$1000.00}, and a third deposit for {$1500.00}. This morning XXXX  XX/XX/2022 I received a notification that my account was overdrawn by {$3400.00}. I drove to the Chase bank near me to resolve the issue. I spoke with an employee who called customer service and it was explained to him that the case was closed due to an IP address that was linked to my phone and the alleged use of facial recognition warranted a reversal of fraud coverage. The case was determined to not be fraudulent by Chase. I was told to go to an XXXX store or the XXXX squad at a XXXX XXXX to determine if my phone was hacked. After speaking with a geek squad employee, he informed me that they will not be able to determine if the phone was hacked. 

It is my understanding that Chase ( A ) did not protect me from 3 fraudulent activities, ( B ) failed to notify me of the three large consecutive fraudulent transactions, ( C ) have withdrawn needed funds without notice, ( D ) attempted to charge me overdraft fees, ( E ) asserted that facial recognition is a legal means to positively identify an individual, ( F ) have failed to adhere to regulation E which is designed to protect consumers from such events. 

Chase is now demanding I repay them {$3400.00}. I have already lost {$3500.00}, and for a financial institution to penalize a victim of fraud another large amount, this could result in a sum total loss of close to {$7000.00}. As a part time worker and part time student, funds are extremely limited and I can not afford to be taken advantage of by scammers and banks. 

I was not provided with a claim number or anything in writing or email to show an investigation was performed. Attached are screen shots of the original fraudulent transactions ( pics 1 and 2 ), the deposits ( pic 3 ), and the withdrawn funds by Chase ( pic 4 ). Please get in contact with me as soon as possible. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX, an apartment complex I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the fair credit at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.