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

I have a Bank of America credit card ( XXXX XXXX Miles ) that had a balance of approximately {$4900.00}. I submitted two payments to payoff the card from my XXXX XXXX XXXX account on XX/XX/XXXX and XX/XX/XXXX ( {$4400.00}, then {$500.00} respectively ). Bank of America 's systems then submitted another payment for nearly the entire amount ( {$4800.00} ) which essentially meant twice the amount owed was paid putting my balance into - {$4800.00} meaning they now owe me nearly $ 5k. 

I noticed this second unauthorized payment was pending and called Bank of America on Friday, XX/XX/XXXX to request they cancel this second payment. They said they were unable to do so and said I should call XXXX in an attempt to stop payment. I called XXXX the next morning on Saturday XX/XX/XXXX to request a stop payment but they were also unable to do so. I called Bank of America back that same morning and they said they would initiate a refund of the second payment which would take 3-5 business days to process. Evidently, this refund request was placed on their systems on XX/XX/XXXX. 

On the fifth business day, I saw the funds were not returned and called to ask what the delay was. The manager indicated that for refunds, the first business day doesn't count, so it would actually be another business day and to wait the following Tuesday ( Monday was XX/XX/XXXX, XXXX XXXX XXXX ). Funds still did not appear the following Tuesday. I was then informed that refunds can take 10-15 business days. I escalated again to another manager and was told that the refund was under review with the fraud department and could take up to 20 business days. I was then told to call back the next day and that funds should appear. 

The next day ( XX/XX/XXXX ), the funds did not appear. Another associate I spoke with then informed me fraud investigation can take up to 30 business days. I escalated once again and was told by manager (  last name XXXX with employee ID XXXX ) that I would get a call back from Bank of America within two business days and that some sort of resolution would arise. 

On XX/XX/XXXX, I did not receive a call back from Bank of America and called them back. They informed me that they could not tell me when funds would be returned and that there is no way they can contact fraud department to get an update. I asked if fraud was an outsourced department and they said this team was internal but they had no contact info. I asked about employee XXXX and they confirmed he is a Bank of America employee but that they have no way of contacting him either. I asked when my money would be returned and they said they don't know but could connect me with another random manager. I  declined this offer seeing as previous efforts were in vain and would be a waste of time.
Product: Checking or savings account

See previous complaint # XXXX I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. In all there were XXXX XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.

Also see my feedback to previous complaint as the Wells Fargo investigator failed to acknowledge my complaint fully.
Product: Debt collection

I have been contact repeatedly by this bill collector on a debt that is not owed. I have repeatedly told them to stop contacting me as well as asked for verification of the debt which then can not produce. I have been contacted by email on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX I have been contacted by phone : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

I wrote a check to XXXX XXXX for my water bill. I made a mistake writing the check and wrote {$1000.00} in the number part and wrote {$110.00} in the number part of the check. Banks are required to use the number part of the check. XXXX XXXX processed the check with XXXX Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with XXXX at XXXX bank and was told I was correct and the {$110.00} amount should have been the correct amount. She stated XXXX bank processed the check thru US Bank XXXX XXXX XXXX XXXX on XX/XX/2021 and was told they could not find the money. I have spoke with XXXX numerous times and keep getting the same story. It appears to me as if US Bank and XXXX bank are being evasive about refund my {$910.00}.
Product: Checking or savings account

Bank of America closed my account for no reason with no warning at all. That's because they don't have a reason and won't tell me why. This happened on XX/XX/2024. The only money I have right now is in my Checking & Savings accounts. They said when they get around to it, they'll mail the money to my home address. All of my credit cards, loans and even my mortgage is enrolled in auto bill pay. So the payments will all be late and I'll get fined for that, not to mention what it will do to my credit rating. Besides that, I don't have any money so can't even pay them outside the bank on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2024, I went to the bank and asked them to send a wire to XXXX for me. I have sent wires to this person before and there wasn't a problem.The person at the bank went into his spiel about scams which the whole world is aware of, but banks take it to the extreme. They should give you the facts and ask a few questions and then if you still say you're comfortable sending the wire, they should do what you ask. After all, it is my money and I should be able to use it any way I want. This really is NOT their decision to make. So I went home and sent it myself through online banking. 
Then, to add insult to injury, they sent the police to my home. I guess they thought I was crazy because I wanted to send a wire. Why do they even offer it if you can't use it? I am XXXX  years of age and I can't help but think this is elderly discrimination. I think they have violated several of U.S. citizens ' rights and they should have to pay the consequences.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry date XXXX I sent a letter they never responded to show proof according to the fair credit act
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX have 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: Credit reporting or other personal consumer reports

I surrendered this vehicle over to the company XXXX XXXX in XX/XX/year>. 

Since then, the company has continuously reported on my credit monthly as though the account is still open. 

The ending balance sent to my by XXXX XXXX is {$15000.00}. 
The most recent balance reported shows as {$16000.00}. They increase the balance every month, for an account that has been closed via voluntary repossession. 

The account is also reporting as an open account on my XXXX report. 

XXXX XXXX sold me the car at an extremely high interest rate, making it difficult to pay the loan off. After over a year of paying a never ending balance, I surrendered the car, yet XXXX XXXX is still tormenting me.
Product: Credit reporting

I repeatedly sent this to XXXX and it still has not been corrected.I have called them, faxed them and gone online to no avail. See copy of fax below. The response was my request was illegible and unclear. 
-- -- -- -- -- -- -- -- -- -- -CONFIDENTIALExperian DFA TeamFAX XXXX Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment, it is a home. 
2. Correct employment to : XXXX XXXX XXXX. Add a free security freeze to my account since my identity was stolen. 
4. I am not XXXX Military. I am a XXXX XXXX XXXX XXXX. 
5. Delete the address XXXX XXXX XXXX, XXXX, MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 
6. Put a free security freeze on my account since my identity was stolen. 

Enclosures:1. MI driver 's license2. Homeowners policy3. Utility Bill4. Police Report5. XXXX letter stating the account opened in my name is not my account and I am not responsible for the charges.
Product: Debt collection

XX/XX/2023 Received call from CPC from phone # XXXX. I looked up the phone number saw it was a debt collection I immediately knew they had the wrong number. I called them back and asked them to remove my number. I told them if they did not I would file a complaint. 


XX/XX/2023 received another call from CPC This time from XXXX. 


XX/XX/2023 Received another call from XXXX at CPC from XXXX left a voice mail stating call them back at XXXX ext. XXXX. 


The action taken by me, was to block the initial call after I told them not to call. All are appearing in my blocked messages. I did not call back again. As I already asked them back in XXXX to remove me which they said they would now it is starting all over again they call at all times of the day and evening.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX Re : Formal Request for XXXX Issuance, Removal of Account Reporting, Set Off, and Breach of Contract Actions Regarding Account # [ No. : XXXX ] & CFPB XXXX XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Identity Theft Report # : XXXX I, XXXX XXXX/Authorized Representative here on behalf of XXXX XXXX/principal. I Hereby accept all Titles, All Rights, All Interest, and Guaranteed Equity owed to XXXX  XXXX XXXX. I hereby instruct Indenture Trustee [ XXXX, XXXX ] to apply Principals Balance to Principals No. : XXXX each and every billing cycle for set-off. Please apply this XXXX of payment to the account within 10 business days after receipt of this notice. 

Please be advised that I have enclosed the XXXX XXXX XXXX for Arbitration, asserting my intent to initiate formal arbitration proceedings in accordance with the terms and conditions of the applicable agreement ( s ). This demand is being submitted as a result of the ongoing and unresolved dispute regarding the inaccurate and fraudulent information reported on my consumer credit file, as outlined in prior communications.

Pursuant to the arbitration clause within the governing agreement ( s ), and in light of your failure to adequately resolve this matter through standard dispute resolution channels, I am formally invoking my right to arbitrate in accordance with the rules and procedures established by the XXXX XXXX XXXX ( XXXX ). 

This letter serves as notice of my intent to proceed with the filing of a formal arbitration claim should this dispute not be resolved within the statutory timeframe set forth under the arbitration agreement. Failure to resolve this issue within the required period will compel me to submit the matter to arbitration without further delay. 

I hereby request that you promptly confirm receipt of this demand and advise of your willingness to resolve this matter through the designated arbitration process. 

Removal of Account Reporting and to Opt-Out : Furthermore, I hereby instruct Santander Consumer USA Inc. to remove the account of principal, XXXX XXXX XXXX from any and all credit reporting agencies and to opt out of the reporting of principal for this account. This action is warranted in light of the aforementioned inaccurate reporting of the account status and the potential breach of contract that has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, I am writing in to have my address corrected on my Experian credit report and all other incorrect addresses removed. 

attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have this updated as soon as possible
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX WE EFS XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXXXXXX - Balance : {$480.00} - Account # : XXXX XXXX  XXXX - Balance : {$3200.00} - Account # : XXXX XXXX XXXX XXXX  XXXX - Balance : {$460.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XX/XX/XXXX, 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from XXXX, XXXX nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
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. 

Account Name 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 XXXXXXXX has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

My personal was stolen and accounts were opened as a result that I had no knowledge of. The following account are ; XXXX XXXX XXXX, total debt {$15000.00}, date opened XX/XX/XXXX ; XXXX XXXX, total debt {$26000.00}, date opened XX/XX/XXXX. I reached out to these finance companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit in XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought the advice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to disputeany questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated accordingto Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of theaccount disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.
Product: Credit reporting, credit repair services, 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. 

XXXX : Acct # XXXX, XXXX Bank XXXX Acct # XXXXXXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXXXXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX : Acct # XXXX, XXXX XXXX XXXX Acct # : XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXXXXXX Acct # : 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 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.