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

This is regarding a fraud dispute of a my account ending in XXXX with Chase. An unauthorized transaction was done on XX/XX/2021 of an amount of {$1700.00} on XXXX. The fraud recovery department of Chase has not properly investigated the claim on my repated requests three times in last two months. Even it has not fully reviewed the evidence provided and declared the transaction valid. I had directly contacted the merchant XXXX  and informed them and Chase promptly about the fraud. The XXXX told me that they have cancelled the ticket # XXXX forthwith and passenger would not able to fly. Hence no travel occurred. They promised to issued the refund to my card which was never issued. My refund complaint ID with them is # # XXXX # # ( please see attached ). Therefore it is requested that Chase should please properly investigate the matter in the light of evidence provided reverse this transaction.
Product: Credit card

I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.
Product: Student loan

I went and paid aidvantage what I owed which is XXXX dollars on the XXXX of XXXX. The payment was accepted on the XXXX but it was reversed on the XXXX. I was confused and tried to call them but their lines were busy. I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Product: Checking or savings account

I've been trying to close my account with Capital One since the middle of XX/XX/2018. The main reason for closing my account is they have closed down all branches and ATM 's within a 30 mile radius of my home/work. There is ONE ATM located approximately 45 minutes away. I have been unable to download the app to my phone, so I have been unable to make any deposits. Therefore deciding to close my account. Cap One refuses to reject transactions from hitting my acct resulting in charging me overdraft fees. XXXX was the only company still able to somehow send charges through to my Cap One account, even though I updated XXXX with my new ( XXXX XXXX ) account and made that account my default/preferred account. I have verified with XXXX  today and the Cap One account has been permanently removed so no more charges will appear. I have called Cap One 4 times since mid XXXX trying to close this account. They said EVEN though I was signed up for overdraft protection ( where they would reject any charges coming into the account when there was a XXXX balance to keep me from having fees ), they couldn't reject these charges because they were ACH, not actual transactions made to the account? I have been on the phone this morning for over 120 mins on HOLD, transferred to THREE different departments JUST trying to make a deposit to my acct over the phone ( The acct that is SUPPOSED to be closed! ) I've had this acct for over 20 years, and they explained that they will not close the account unless I call back within 4 days and the account MUST show a XXXX balance for all 4 days before they will close the account. They have removed 3 overdraft fees for the account since I've been trying to close it, and I was able to make a deposit by phone using my current debit card, but I was rudely reminded that if any more fees hit the account they will be unable to remove them. Today I was on the phone for OVER 2 hours to try to make a deposit by phone so that I wouldn't be charged another OD fee. Their customer service is horrible, almost everyone I spoke to complained that the office was super short staffed and they apologized for the long hold periods. But, anytime in the passed 3 years I've had to call customer service for anything, I've never had a hold time for under an hour. They need to work on their account closing procedures to better protect and handle their customers.
Product: Credit card

Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.
Product: Consumer Loan

I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned.
Product: Debt collection

Repeated calls with the intent to harass. This company is calling about a debt I don't know or owe. Requested proof of debt, never received. They reported the debt to my credit report tarnishing my report.
Product: Debt collection

Sometime in XX/XX/XXXX, I visited the XXXX XXXX store in XXXX Arizona. As I was paying for my {$24.00} store purchase with my debit card, the store representative said I could save some money by staring a XXXX card, so I agreed. I recall completing my purchase and being told the card would be sent to my home. What I was not aware of was that the XXXX store charge for {$24.00} that I thought was incurred on my debit card was actually incurred on my XXXX card, one that I had not even received. By early XX/XX/XXXX, I had relocated to XXXX XXXX due to my job and signed a lease for my permanent residence in XXXX XXXX ( see attached lease copy ). So I was not at my address to receive any notices XXXX sent, in addition, I never even received the XXXX XXXX card, and was not even aware of its existence. 
I became aware of the situation when I checked my credit report showing that XXXX XXXX is reporting me charged off. I immediately called XXXX who referred me to XXXX XXXX XXXX, with whom I paid the account in full. I have sent letters to XXXX XXXX and filed a complaint against them with the BBB ( complaint ID XXXX ) and XXXX XXXX responded saying " Unfortunately, we are unable to purchase XXXX XXXX XXXX XXXX Credit Card account from Portfolio Recovery Associates ( PRA ) because the balance has already been paid in full. We have forwarded his concerns to PRA and have requested PRA delete the trade line from XXXX XXXX XXXX credit bureau files. '' last XX/XX/XXXX. 
Portfolio Recovery is saying that they did not receive any instructions from XXXX XXXX with regards to deleting the account from my credit report. Last XX/XX/XXXX, XXXX XXXX, from the Office of the President of XXXX XXXX, emailed me saying, " I will be reaching back out to Portfolio Recovery Associates ( PRA ), with regard to the matter. Once I receive a response from PRA, I will mail a formal written response to you. ". Portfolio Recovery Associates still is reporting the account even though the original creditor admits that they 've made a mistake. XXXX XXXX even Deleted the account from their end as stated in their BBB response. Please see attachments.
Product: Vehicle loan or lease

In the month of XXXX of 2020 I was out sick the whole month with XXXX  and was not able to go to work. During that time I wasn't getting paid and I could not pay my bills including my car payment. I was then given a late payment on my credit report. I tried contacting my financial company about the issue, but everyone I speak to says something different and I havent been able to fix the issue. The late payment is causing me to not be able to get a home loan or auto loan. Please help me.
Product: Credit reporting or other personal consumer reports

It seems to me that something is wrong with your system. My credit is not updating like it should be. All the other bureaus seem to have updated all of my accounts. This has been going on for a month. I am struggling because I go to the help center, which is so generic there are no real answers, you can not even search. So it directs you to call customer service. The customer service line only has limited answers like the help center, but they never transfer you to get help. It just tells you they can not transfer you and to check the help center and hangs up on you. What kind of business practices is this. Do you think it's ok to do this to people because you know you are XXXX of only XXXX companies people HAVE to use. It's XXXX. Just for reference this morning the other credit bureaus had all of my info correct and my credit went up XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of 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 EXPERIAN, XXXX and XXXX 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. The following items listed below needs to be removed from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, R ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX Owed : {$210.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Account Balance {$46000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) 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 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: Debt collection

I have recieved repeated calls every other for the last several months from a debt collector by the name of Sunset Finance XXXX XXXX XXXX XXXX, GA XXXX. Earlier this morning on Tuesday XXXX, XXXX Sunset Finance made there first call at XXXX. I work in the mornings and missed there first call but reconized the area code as a XXXX number and immediatdley picked up the second time they called at XXXX. The debt collector introduced herself as XXXX and said she was with Sunset Finance. I tried to inform her I was at work and now was not the best time to talk. She still proceeded to talk over me about the account and barely gave me a chance to speak. I then tried to inform XXXX that if the calls were to persist in the back to back manner then the best form of communication for me would be mail from here on out. XXXX was very agressive and heated with me for the rest of the call and informed me I will have a warrent placed against me for stealing property across state lines. After making a clear threat towards me to obvisioulsy scare me I still refused and she then hung up the phone.
Product: Checking or savings account

I have had to make a total of XXXX visits in maybe XXXX weeks and this is my XXXX complaint! Wellsfargo on XXXX in XXXX Texas is the worst. My grandmother passed away on XX/XX/XXXX. the XXXX time I went to wellsfargo was XX/XX/XXXX for assistance, since the first time I waited XXXX minuted and finally got to someone and oh were closed now. I was told to scan the death certificate online on XX/XX/XXXX and make an appointment since the scanner was not working for them to upload the documents I gave. The guy told me since I don't have the safe deposit key they will cut the box open. When I go to the bank on XX/XX/XXXX for my appointment where I detailed what I needed and I have no key to the box XXXX called wellsfargo reps for help cause she could not see the death certificate. so legal verifies it and ask if I have probate. I said no I have a XXXX XXXX, will and I'm on the death certificate. XXXX says a XXXX  is not valid when they die and not in any state. I said that is a lie a XXXX  is not valid upon death it says it on the last page but a XXXX is valid after death and legal is lying I can call my attorney and you can call the courts downtown XXXX XXXX. I did not bring my documents because I did what I was told already online and scanned it. Finally I'm told their is a form for me to sign that the bank will notarize and then I have to wait a week to get the box drilled open and have to wait 30 days from her death to sign the form. I was mad cause I should have been told this and I had to go back on XX/XX/XXXX the day I was going out of town that pushed my trip time back to leave but that doesn't matter to wellsfargo. XX/XX/XXXX XXXX XXXX helped me and asked me for the XXXX death certificate that i already uploaded to you people and was verified and plus social security verified her death and yall sent me letters the first week of XXXX of it! Now XXXX tells me oh this will take XXXX XXXX XXXX XXXX has to upload the death certificate and fillout the form for legal this is nonsense and a waste of time XXXX XXXX should have told me this yesterday but no she didnt! The lack of communication and misinformation is ridiculous and embarrassing for wellsfargo. XXXX misinformed me and delayed my plans. I took responsibility of my grandmother and she trusted in me when she was a live and that when she died I would handle her affairs responsibly and wellsfargo gives me the run around. Truly this is terrible how the bankers at this wellsfargo are not willing to help you unless you have an appointment, they push for appointments when you should be able to walk in to the bank and receive assistance its their job! It's what their paid to do. Apologizing does absolutely nothing, do better! Educate your staff and give a XXXX about people 's time. When I spoke with XXXX after telling her initially I wanted to close the accounts and open the safe deposit box she asked if I wanted to keep the accounts open and them in my name.
Product: Money transfers

On XXXX XXXX I sent {$500.00} to my Dad in XXXX, Transaction ID XXXX using trans fats online services, because this is not this first time, I use trans fats to send money to my parents, the money was supposed to be release on XXXX XXXX in the afternoon, my dad got to the back and the money was not in his account, called trans fats, they verify the information with me and they said the money will available for pick in another hours, on the XXXX, I told my dad to go to bank and collect the still not in his account, called trans fats again, asked to verify the account for me, Trans fats customer services agent gave me a different account number,XXXX which on another person 's name, then I told them right, account number supposed to be XXXX on the name of XXXX XXXX XXXX , and his phone number XXXX, and I told the trans fats the last XXXX digit of account is incorrect, please correct the account number and release the fund to my parents, they told me, they will try to contact transact partner in XXXX to make the correction or they will cancelled it and refund my money back to me, for good I keep calling back and forth for them to give me and update, if the correction was made, no email, no phone call, then I went to their office on Friday XXXX XXXX, the Agent to me the money has paid into someone 's else account, which is XXXX XXXX XXXXand she came in to cash the money, they said the XXXX , have been calling the wrong recipient she did not pick up their call, I want XXXX to that trans fats website they are affiliated with ERROR RESOLUTION DEPARTMENT, which I have also filled for complained before I went there on Friday, Trans fats is responsible for my refund, because they 're the one doing business with XXXX , it is not possible for your to release money to some that has different name from my dad, different account number, different phone number, different area location, am a single mother with XXXX kids, I struggled to get that money to my parents and I want refund back from trans fats, I told them to correct the account number or refund my money, they did not and release the money until this another person went to the bank to withdraw the money from her account I want trans fats to know, it is their responsibilities to refund my money, because they are the one doing business with unreliable, and untrusted bank, also I informed them of the mistake, before they release the money to the person I want my refund bank, according to the report the trans fats agent send to my email, the person already withdraw the money for her account and bank can not get hold her, please tell trans fats to refund my, without the transaction ID XXXX, no one can collect the money and also valid name, please help me to get my refund from transfast, because i asked, how is it possible someone ; s get the money, without confirming sender ; s name and location where the money, how is that possible, i want my refund from transfast, you can call me my job number at XXXX, or my house number XXXX, because my cellphone with XXXX is not active because i want to my cellphone.
Product: Credit reporting

This credit report agency has the wrong if not precise report from creditor which is not true causing conflict with merchants regarding Lawyers, accounting experts and etc contacting me via mail and with certification of tax lien imposed on me through IRS which is not so. I contact the number given of the county clerk in XXXX County and they indicated that there were no Legal Tax Lien on my account. I then contact the credit agency without making a report regarding this matter in which they replied that this case is active. This is fraudulent according to the State Law and it has to be dealt with accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.