23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I reported an unauthorized charge of {$4000.00} on my Robinhood credit card a week ago. I told the card issuer that I was not aware of the charge and the merchant was not someone I had bought before. 

I told them that I have no idea how the charge ended up in my account. I told them that I had lost my card and my phone which i later found in the lost and found of my gym. 

The bank came with a decision that I was responsible for the charge after 4 days without giving any reasons. The bank is not protecting me from unauthorized charges which is something they should do. How can I be responsible for a charge from merchant that is located internationally and I had never done any business with them. 

Bank is screwing me to end up with a charge that their department should have blocked in the first place. Who lets {$4000.00} to be approved like that from a dodgy website all the way across the world. This is ridiculous.
Product: Credit reporting

My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.
Product: Prepaid card

I purchased XXXX {$70.00} AMEX XXXX XXXX  on behalf of my company XXXX XXXX, to be used by travelers utilizing our services for their airline baggage fees. 

I purchased these as an easy solution, based on the wording provided on their website : " You can use your American Express XXXX XXXX virtually anywhere American Express XXXX are accepted within the United States and District of Columbia, except the XXXX XXXX  may not be used for recurring billing or at ATMs. '' The travelers arrived at the airport and none of their gift cards would work. It caused a lot of chaos for us, as teachers ( it was a student trip ) had to scramble to cover all of the kids fees on their own. 

After this situation, and collecting the cards from the travelers, I researched online and found countless online threads, posts, and articles addressing these fraudulent cards. They can be used " virtually nowhere '', in sharp contrast to their claim that they can be used " virtually anywhere American Express XXXX are accepted. '' It is a false claim, and if more accurate language was given on just how difficult it is to actually use the cards, I imagine very few people would purchase them in the first place. 

Their customer service is atrocious, and their answer is " just keeping trying them until you find somewhere that accepts it ''.
Product: Credit reporting or other personal consumer reports

There was a promotional inquiry on XX/XX/23 I did NOT authorize. I would like this removed from my report as it is affecting my credit score and my ability to conduct proper business.
Product: Mortgage

I am trying to buy a short sale property at XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. 
We have gone through the entire process of sending paperwork etc, to the servicor Nationstar on behalf of the XXXX. Nationsatr is telling us that the investor, XXXX, who had the house appraised twice, once in XXXX XXXX and now again XXXX of XXXX. The XXXX appraisal had no requiremtns to fix the home the second has {$15000.00} worth of repairs, that MUST be performed by the seller. The seller is NOT in a position to fix anything, so I offered, as long as the investor will definitely sell it to me. That can not be unaccomplished, according to Nationstar. I am buying this home on a short sale, " as-is '', I will do the repairs when I live there, like anyone else buying a short sale, unless it is required for the CO, which it is not.
Product: Checking or savings account

Called bank fifth third XX/XX/2023. I was told I will receive an temporary release of my transaction make on XX/XX/XXXX XXXX of XXXX and XXXX in XXXX business days. Which is today on Friday XXXX XXXX. But my temporary release didnt happen. I was lied to by bank workers who knew the policy. I called because the funds was not made available to my account. Like I was told on record lines. They said the transaction was to old, but I given misleading information by this bank fifth third I was given XXXX case number XXXX for the disputed and another for my temporary release. I feel this is misleading
Product: Debt collection

I noticed unauthorized and unverified collections on my credit report. In reference to codes 15 USC 6082, 15 USC 1681b, and 18 USC 1028a. This company has violated my rights. I have taken the necessary steps to remove this collection and it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/year> Consumer received a debt collection letter from RAUSH STURM LLP, a self admitted third party debt collector with a primary location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Said debt collector has no permissible permission to contact the consumer and has failed to file a debt collector bond as required under Texas law. On the same day as receipt of the letter, Consumer sent a validation request via certified mail, offering to pay upon validation of the alleged debt. Upon the expiration of the thirty days given to validate the debt and instead of verifying the alleged debt, RAUSH STURM LLP filed suit in the XXXX XXXX, Precinct XXXX, Place XXXX, XXXX XXXX, Texas under case # XXXX. Consumer filed a motion to dismiss and a hearing was scheduled to which RAUSH STURM LLP failed to appear and the case was dismissed.
Product: Checking or savings account

My business account was restricted by JP Morgan Chase bank on Thursday XX/XX/2021. 
I called to find out the reason 3 times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 
Customer service was extremely rude : when I called second time the Lady stated that Investigator XXXX ( who takes care of my case ) " doesn't want to talk to me, due to he has not enough information and investigation might take weeks or month or years ... ''. I asked to transfer me to Supervisor. Spoke with supervisor XXXX and she stated that I can call back on Mon. XX/XX/2021 and XXXX will be able to provide some information. 
I called on Mon. XX/XX/2021 and get no answer from XXXX again. Customer service representative stated " I doesn't know what to tell you, so I will hang up on you '' and did it. As the customer I was very nice and wanted just to find out what is going on with my account and what is the reason for restriction, even offered to provide all information to help to move investigation forward. 
My money were blocked on account plus all translations, that I have from my vendors every day now are stuck. Based on Deposit account agreement I have right for Disclosure of account information to me, but Chase bank refused to do so. Now I don't have access to my funds, no information from Chase and no terms when they will open access again or will return me my money.
Product: Debt collection

Subject : Notice of Default and Opportunity to XXXX XXXX : XXXX Dear Sequium & XXXX XXXX XXXX, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. 


**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.
Product: Money transfer, virtual currency, or money service

I used a feature in my banking app XXXX to place a deposit on a miniature horse that I was to purchase. ( Customary in XXXX industry ) after the transaction was completed, the seller disappeared. So I was scammed out of a {$350.00}. Deposit. I spent a great deal of time digging into this matter as I couldnt believe it happened to me. I have found more than 10 fake pages selling fake items using stolen pictures, names, profiles etc. there are more I am sure. I contacted several people that appeared likely to have fallen for the same scam. All the fake pages and sales and requests for deposits go back to the same people. I have all the messages, pictures and information about my transaction as well as pictures and information for the scammers pages. It is extensive and is on going. They are trying to sell me livestock right now as I make this complaint. I contacted my bank. Huntington Bank. They explained to me that I have zero protection and they have zero aid they can provide because XXXX is a 3rd party. My money in Huntington Bank would be protected and remedies would exist if I had NOT used XXXX. I reached out to XXXX. They stated that in the disclosures, they are not responsible nor will they help me in any way. I filed a complaint with XXXX. Now a complaint with you. The scammers that got me are good. They are doing this all over XXXX and who knows where else. There has to be some for of accountability for XXXX. Or for my bank who makes the XXXX payments available on banking app. The scammers need to be stopped, held accountable and restitution made to those that they have scammed. I feel violated on several levels. The scam itself, my bank as I believed my money was safe and that I had some for of protection, XXXX for making their service so easy for scammers to do this to people. My transaction was made on XX/XX/21.
Product: Credit card or prepaid card

Dear SYNCHRONY BANK, I, the consumer and natural person XXXX XXXX, received an Adverse Action letter stating my credit card account : DISCOUNT TIRE XXXX XXXX XXXX XXXX was closed. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received.

SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit card account was closed. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK
Product: Debt collection

XXXX XXXX issued a fraudulent loan through XXXX XXXX XXXX on XXXX in my name for the amount of {$1000.00} without my permission. I learned about this from a debt collector - Debt Recovery Solutions , LLC on XX/XX/XXXX of this year. The debt collector claims I owe {$1700.00} and has reported this fraudulent account to the credit agencies. XXXX XXXX XXXX shows as the 'current creditor ', XXXX XXXX XXXX shows as the 'original creditor '. I have NEVER done business with XXXX. I have never done business with XXXX XXXX XXXX or XXXX XXXX, XXXX. I did NOT authorize any such loan and it is clear a crime has been committed by using my information fraudulently. I filed a FTC fraud claim against XXXX on XXXX. I mailed Debt Recovery Solutions a letter requesting a debt verification investigation on XXXX. I filed a police report with the XXXX County Sheriffs Office on XXXX, case number XXXX. I am mailing have mailed the FTC Identity Theft Report and dispute letters to XXXX XXXX, DRS and XXXX XXXX on XXXX.
Product: Credit reporting or other personal consumer reports

Discovered fraudulent student loan in my name on credit report. 

Account name MOHELA/DEPT OF XXXX Account number XXXX .... 
Recent balance {$1800.00} as of XX/XX/year> Date XXXX Status Open/Never late. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Address identification number XXXX Type Education Terms XXXX Months Credit limit or original amount {$2000.00} High balance Not reported Monthly payment {$22.00} Recent payment amount {$32.00} as of XX/XX/year> Date of status XX/XX/year> Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

A new collection listing on my Equifax today under the name XXXX XXXX, account XXXX for the amount {$710.00}. The original creditor is XXXX. This fraudulent account was previously Blocked from my credit report and belonged to XXXX XXXX at the time. This is a fraudulent account and Equifax has no business placingn it back on my file. I intend to file charges against Equifax for damages to my credit. This is my Identity Theft Report to Permanently Block XXXX off of my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I am writing to formally file a complaint against American Express concerning a promotional offer discrepancy on their credit card. As per the promotion currently listed on theirCo-partner XXXX  XXXX  website XXXX American Express advertised a {$500.00} credit on the first statement as part of their introductory offer. However, despite fulfilling the necessary conditions, American Express has refused to honor this offer. 

Details of the complaint are as follows : Promotion : {$500.00} credit on the first statement for new cardholders, as advertised on the XXXX XXXX website. 
Application Date : XX/XX/year>. 
Account Number:XXXX  ( last 4 digit of the credit card ) Offer Validity : The promotional offer is still available on their website Response from American Express : Despite multiple attempts to resolve this directly with American Express , I was informed that I am ineligible for the {$500.00} credit without a satisfactory explanation.

I believe this is an unfair practice as the promotional terms were publicly accessible on their website at the time of my application, and I acted in good faith based on this information. This experience has caused both financial inconvenience and frustration. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and facilitate the resolution of my complaint by holding American Express accountable to their advertised promotion. I am attaching all relevant documentation, including screenshots of the offer and any correspondence with American Express representatives.
Product: Checking or savings account

On several occasions for many years, I was charged a {$20.00} overdraft fee by Navy Federal Credit Union, despite not having sufficient funds in my account at the time of the transaction. However, I did not receive a clear warning that these charges would occur, nor was I given sufficient time or opportunity to prevent them. Additionally, I was unaware that my account would be charged multiple overdraft fees for transactions that occurred within a short period. 

I understand that overdraft fees are typically assessed when there are insufficient funds in an account ; however, in my case, I believe the circumstances warrant reconsideration. The fees were charged despite my limited balance, and I feel that the terms and conditions were not clearly communicated regarding how and when these fees would be applied. Furthermore, there was no notice or alert that additional fees would be incurred after the initial charge.
Product: Mortgage

Hello, Back in XXXX we began the process to modify our 2nd mortgage. We had a balloon payment that was coming due in XXXX and unfortunately we were unable to refinance due to diminished property value. When we began the process we were ASSURED and then REASSURED this would NOT affect our credit and only then did we proceed with a modification. We pride ourselves in our good credit and have never missed nor been late on payment. 
The modification was eventually approved. Yesterday ( XXXX ) while being provided with the details of our new loan, I was told this would affect our credit severely. Even though the first payment was not due until XXXX this would be considered 90 days delinquent and reported as such. I offered to make the first XXXX payments in advance ; again I was told there was nothing they could do. The representatives acknowledged multiple times that the account was current and that her system reflects a perfect payment history yet there was nothing she could do. She indicated that SLS has 'most likely ' already reported to the bureaus. I 'm writing to request regulatory assistance. As I understand. FCRA Section 623 ( a ) ( 1 ) ( A ), 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. Reasonable cause inaccurate '' meaning having specific knowledge, other than solely allegations ( ie documented payment history ) by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Based on this, SLS is in direct violation of FCRA and needs to be held accountable for this fraudulent and unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for their response but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting these information to be reviewed for completeness and accuracy and appropriateness. 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 and pursue legal action. 

XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

WELLS FARGO GAVE A PERSON WHO STOLE MY IDENTITY USED MY NAME, PHOTO ID, SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT SECURE WELLS FARGO CARD TRYING TO STEAL MY IDENTITY I am writing to request and initiate a formal complaint against XXXX XXXX XXXX XXXX  CRAS. On XX/XX/2020, I mailed XXXX XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

On or around XX/XX/24 I was notified that someone was making {$2300.00} in unauthorized transactions with my wifes debit card at 2 different XXXX XXXX  miles from my home. They also withdrew {$1300.00} from our account. Chase refused to refund the {$2300.00} because there were no refused PIN transactions. When informed we had filed a police report and could provide sworn statements that both of us were at work during the transactions, Chase refused to accept or consider them. When asked why {$1300.00} could be fraudulent but {$2300.00} wasnt, they could not provide a satisfactory answer as to the arbitrary decision making process.
Product: Checking or savings account

I am writing to file a compliant against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Debt collection

On XX/XX/XXXX I received a letter of Garnishment from my employer XXXX in regards to a company called XXXX XXXX ( Apex Servicing ) XXXX. This was a personal loan in the amount of {$1500.00}, and I never received any documents of collection or court order for them to garnish my wages. I reside in a state where court orders are required to file for a garnishment from these types of creditors. Also, upon review Apex is not licensed to apply wage assignments to the state in which I reside. The loan was taken out on XX/XX/2020 and they started garnishment on XX/XX/2020, and they are garnishing 15 % of my wages as if they are a student loan collector. Per the letter from my employer, the 15 % correlates to student loan debt. I did not get any notice or attempts of collection and the actions took place less than 90 days of the loan. I feel I was not given adequate notice or time to respond. The company refused to tell me the times they attempted to collect anything from. I would like for the garnishments to stop and the funds they took to be reimbursed to me. I would like to pay the loan directly to them.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to LOANDEPO.CO XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.