23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, we cancelled a trip with XXXX. They immediately sent my refund to card ending in XXXX through XXXX. The issue is that the bank account that was associated with this debit card number had been closed for approximately 2 weeks. 

Ive been told by Bank of America in the 6-8 phone calls Ive made that the refund would not be accepted by Bank of America ; it would immediately be returned to XXXX. Bank of America did state they checked transaction records for that card approximately XX/XX/XXXX and no attempted transactions were recieived. 

Im caught in limbo with each place stating its the others fault. XXXX notified me this morning that a trace was out on these funds and it shows successful. A copy of that notification and transaction number are attached. 

Again the refund was from Airbnb for XXXX and was routed through XXXX to Bank of America on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information from in my file. The items I need deleted are listed in the credit report. I am a victim of Identity Theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I h also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based On, 15 U.S. Code 1681c2 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, not later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent Collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} Fraudulent Collection Accounts : XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$560.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$5100.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

In the month of XXXX, I was late on my Capitol One payment which is normally about {$120.00} per month. However, since I was late they doubled the payment because of the " billing '' cycle had changed. So I made a payment of {$120.00}. When I just went to make my payment, I got an alert on my Capitol One app that I was XXXX months past due. Now they want to double the payment in order to make the account '' current ''. The have now counted me XXXX days late which will report as derogatory on my credit. Not once did anyone reach out to me regarding the payment amounts or anything being insufficient. I have no issues coming up with the amounts that I actually owe.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX : Account # 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 a account without my written instructions.
Product: Debt collection

In XXXX, I sent a letter to PDQ Services collecting on a bogus debt that they I say I owned to apt complex by then name of XXXX XXXX. I asked PDQ and XXXX to validate the debt and they have failed to properly do so. I have also sent a compliant to the XXXX  regarding XXXX XXXX XXXX in XXXX, GA and their bogus and predatory practices that violates citizen 's renters rights. I have also asked for where I have agreed to their claims and the paperwork clearly shows NO signature from me agreeing to the move out terms or claims. The document they sent me is a statement of deposit summary and has a charge listed, which that is also not proper proof of debt owed to you or XXXX XXXX XXXX. PDQ agency has not complied with the FDCPA and are now in violation of the act. They need to immediately remove the collection listing from my credit report or I will file lawsuit because you are in violation of the FDCPA, section 809 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Capital One Auto Finance reported 11 charge offs on my account. 
One charge off is legal, multiple is not. I tried to resolve it with them and they were indifferent. 
I am still paying on this loan. It is on my other reports as well.
Product: Credit reporting or other personal consumer reports

It has been wrote off long ago and now there bring it back up and it's the same account two times how is that legal I'm contacting a attorney and the XXXX  account they know is not mine just like the cable account they deleted the address because I never lived there but left the debt on my report I feel like I'm being discrimination against me and I know there's attorneys who would be more than glad to take my case because there simple XXXX TransUnion and the other two are all doing the same thing just like it says I live and lived in Wisconsin never have I in my life lived in them places step up your game stop profiling XXXX people before we all come together and fight you all in court I'm definitely tomorrow contacting a attorney this is wrong and I have had it
Product: Credit reporting, credit repair services, or other personal consumer reports

The contact information is unreasonable for a credit reporting agency that dictates your digital existence on this planet and also vague about why consumers are repeatedly denied basic accounts based on hidden information from companies that do not have my consent to hold my personal information. I demand all my personal information be removed from this possession of this company which is even worse than the XXXX scandal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Incorrect phone number And Address zip code ending in XXXX I was unaware that my information was used Such as my social security number Email address I received an alert from XXXX XXXX that my information was used on the dark web This alert is from XXXX XXXX that reports from Transunion I have made multiple complaints with transunion about fraudulent and misleading information reporting on my credit profile
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXXF Account Number : XXXX TransUnion : XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX ,2022 I called Huntington bank to dispute multiple charges totaling {$5800.00} from a company called XXXX. When I called I explained that I reached out to that company and when they told me the IP address and house I stated that was not mine. They lady I spoke with at the gaming commission said to call your bank and do a charge back. When I called Huntington the lady that took the report marked my card lost when that was not stated to her I explain my phone was lost/stolen and I have a police report and I was in NC XXXX XXXX XXXX And I could of not made these charges being outside of Michigan nor would I let anyone use my information to do this. XX/XX/XXXX I called Huntington case was closed due to the lady stating card was stolen I said I never said that to her I went to the bank the guy took the card from me at Huntington and order a new card. He then reopen the claim. Now I am told since it was reopen I have to wait for anything to come back to me from the merchant. Cause there rep wrote the claim up wrong. I have explain to Huntington it was not only there card that was used had other cards used beside them. That I was not in the state of Michigan. I never get a call from there fraud team just always getting the run around. They never sent out no forms to be filled out. I sent them the police report. I feel since the first dispute was not written up right I am be held for that. And this wrong. On XX/XX/XXXX I called and spoke with a supervisor was told it was just sitting there no notes and has not been looked at. She said she put in for a call back for Friday the day after XXXX and no call from them. I called today XX/XX/29 still no one has looked at it. I also explained to a supervisor name XXXX my phone does have lock but was set up to lock after XXXX mins. They are not looking at everything and its wrong. I even called the company XXXX uses XXXX and they told me they try there best to stay on top of hackers and catch all VPN but it does not always happen.
Product: Money transfers

we where trying to buy a dog, after agreeing on the dog to buy we transferred them money as payment for the dog and shipping. after they received it they told us that they needed more money for shipping, we told them no. ( they asked for {$1400.00} ) after talking and came to no agreement we asked for a refund and that we are no longer going to buy the dog, they told us that they can not refund us the money cause they had already spent it. i have contacted money gram over this, but do to language barriers it was hard to understand them, i be leave they are making a report on this and going to email me about it, i will fallow up with them more.
Product: Debt collection

By letter dated XX/XX/XXXX that is enclosed hereto as Exhibit " A '', XXXX XXXX ( " XXXX '' ) and PHH Mortgage Services ( " PHH '' ) responded to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) as complaint number XXXX with false statements as it pertains to an already time-barred debt and mortgage identified with account number XXXX, by : falsely addressing the Estate of XXXX XXXX XXXX as the Customer ( s ) for the above referenced account number when no such estate is connected to my property, and my husbands name was not XXXX XXXX XXXX ; and falsely declaring that I defaulted on my mortgage loan as of XX/XX/XXXX and mentioning the active illegal foreclosure under Docket No. XXXX wherein XXXX and PHH are falsely declaring XX/XX/XXXX as the date of default, when at all relevant times : ( 1 ) the false date of default as of XX/XX/XXXX contradicts the XX/XX/XXXX date declared for the same transaction under Docket No. : XXXX and a true copy of foreclosure complaint filed therein on XX/XX/XXXX ( the same day of my husbands death ) is attached hereto as Exhibit B ; ( 2 ) the false date of default as of XX/XX/XXXX misrepresents and falsely implies that payments were made towards the subject account number from XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) the false date of default as of XX/XX/XXXX unlawfully conceals approximately $ XXXX in payments that I tendered for the months due XX/XX/XXXX through XX/XX/XXXX during an extreme time of grief upon my husbands death, with approximately $ XXXX being cashed by predecessors and affiliates of XXXX and PHH as displayed within the checks enclosed hereto as Exhibit C. 

Furthermore, the foregoing parties along with their co-conspirator XXXX XXXX XXXX ( " XXXX XXXX  '' ) are willfully refusing to answer and provide the information demanded by communications dating back to the end of XXXX to present date, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1962 ( g ) ) ; N.J.S.A. 12A:3-308 ; the Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2605 ( e ) ) and the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) ; and 15 U.S.C. 7021 ( f ). 

In closing, the conduct set forth above constitutes false statements to the CFPB by XXXX and PHH in response to complaint number XXXX in violation of 18 U.S.C. 1001, mail fraud in violation of 18 U.S.C. 1341 and continued engagement in unfair, deceptive, and unlawful practices by the foregoing parties in violation of consent judgments entered in the U.S. District Court for  the District of Columbia on XX/XX/XXXX in Case No. XXXX and Case No. XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed several accounts that do not belong to me. These entries are completely erroneous and have no connection to me whatsoever. This is not only unjust but also deeply concerning. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate and fair credit report. These inaccuracies must be rectified immediately. I expect a thorough investigation into these errors, and I insist that they be corrected without delay. Failure to address this matter promptly will leave me no choice but to pursue legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00}
Product: Checking or savings account

I have a chase checking account and recently made a XXXX  account for investing somebody hacked into my XXXX  account and made a fraud transaction of XXXX from my chase bank account need help getting money back
Product: Checking or savings account

I had a fraudulent transaction come out of my Netspend bank account on XX/XX/XXXX from XXXX, the amount was XXXX i immediately called my bank and tried to dispute the transaction but they took no action. I spoke with a supervisor on that date along with a representative with the bank. After an hour on the phone they claimed their was a dispute placed. They also claimed that on Monday the charge would be reversed and I would have access to those funds. 

Today is XX/XX/XXXX and we still do not have those funds. I called again today and tried to repeat the dispute and was told XXXX was never filed that Friday. They placed a dispute today and said it could take 10 days before any action happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told the Experian, Transunion, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.
Product: Credit card or prepaid card

This in regard to an unauthorized charge of amount, {$1100.00} on my Bank of America ( BoA ) Visa credit card. I, an Associate Professor of Economics, made a hotel booking for XXXX XXXX XXXX New York on XX/XX/2023, to attend an academic conference from XX/XX/XXXX to XX/XX/XXXX. I was charged twice for this booking ( see attached credit card statement ). I immediately notified BoA regarding this and they submitted a claim on my behalf. However, BoA wrongly denied the claim on XX/XX/XXXX. They mentioned that these are valid charges as I have two separate reservations. I rebutted their decision by providing them with a copy of the email booking confirmation for my single reservation and a separate email from the merchant confirming that. BoA again incorrectly denied the claim on XX/XX/XXXX. The disputed charge of {$1100.00} is back on my card. This has been an extremely stressful process for me. I am highly disappointed how BoA is handling this case. I am being continuously harassed for something that I am not responsible for. Throughout the review process, I was NEVER contacted by the BoA claims representatives. I repeatedly visited the local BoA branch physically and had a branch relationship manager follow up on the case on my behalf as I could NEVER contact the claims department over the phone ( see attached documents for details ). I stand by my claim that I have NOT authorized two reservations. I have multiple evidence ( see attached ) that clearly show I have only one reservation. I fail to understand how my claim is being denied. The charge is still on my credit card account. My payment due date is on XX/XX/XXXX. I will have to pay the charge by then to avoid accruing interest on it and getting a negative credit report. But I am NOT acknowledging the charge.
Product: Credit reporting or other personal consumer reports

I requested a copy of all three of my credit reports and was shock to see the information on my credit report i was a victim of identity theft I notified my bank to put a freeze on all my accounts
Product: Debt collection

I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I am a full time student at XXXX XXXX University in XXXX, Ohio. I was diagnosed with XXXX XXXX a few years ago. I got a Chase Freedom Student credit card some time back and have not used it. My bank account is shared with my dad who is retired from XXXX XXXX. He mentioned some time back that he was paying my {$40.00} bank charge from his account every month for the past few years. I didn't think much of that, as I thought it might be the charge for maintaining my account which always hovers nears the minimum. A few days back I called my bank and after I inquired about my credit card, I was told I owe {$1600.00} to them. For what? I don't recall incurring that expense EVER on my credit card. My mom was sad after hearing this from me. I did not tell them that I was going get help from CFPB. 
My parents who love me very much just told me 10 minutes ago that they had paid off the full {$1600.00} shown on my Credit card, from their Social Security payments. My heart broke immediately in hundreds of pieces. I hereby request you to 1 ) coax and ask Chase bank to return {$1600.00} to my mom 's debit card that is also from chase and 2 ) That I SHOULD NOT BE CHARGED ANYTHING EFFECTIVE IMMEDIATELY. As a MATTER OF FACT, I AM REQUESTING THE BANK TO cancel my credit card without any prejudice as I am not XXXX! 3 ) Start investigation into the FRAUD THAT SOMEBODY COMMITTED B Y STEALING THE IN FORMATION ON MY CARD AND Get those crooks to pay the retribution for causing financial hardship to an innocent and vulnerable student. That's all! Thanks and hoping for a fair and quick resolution.