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

XX/XX/2022. $ XXXX. Bank of America and partner XXXX said they cant do anything right now. Once fund has been transfer through XXXX you cant get it back. Its immediate, but they just let me file a complaint that will take 10 business days. 

I get this robocall at around XXXX am saying This is Bank of America, our bank fraud detection system has detected {$2000.00} being transfer from your account to XXXX XXXX through XXXX. Press XXXX to get with a representative. 
I go ahead and press XXXX This call will be monitor A XXXX guy with a polite cooperate voice answers the call. I google the the number XXXX. It was Bank of Americas number. 
He told me XXXX XXXX was trying to take money through XXXX. I went to my account and didnt see any activity and was confused. He assured me that I dont see it because XXXX has turned off the notification. 
He just needed to get into my account and reverse the transfer. All he had to do was get me to say authorization codes for him to log into my account. Reset my password. Got my ssn. Got my email. See what device XXXX uses to log into bank. 
He put me on hold and said let me get my supervisor to do something, please hold. I thought the guy must be new. 
He disconnected while Im on hold, but immediately got back to me hastily. Im over here thinking wow Bank of America sure cares a lot about preventing fraud before it happens..

Did one more authorization code. Then put me on hold and did something with supervisor. Finally disconnect I waited a few minutes. $ XXXX was being transferred to the actual scammer through XXXX ( XXXX XXXX XXXX ) XXXX XXXX pm. 
I called the number to see what was going on and it was the real Bank of America customer service.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!
Product: Bank account or service

Update to complaint number XXXX appears to be a duplicate of a complaint we already have on file for you under number XXXX. 
I filed complaints regarding Wells Fargo Surepay service. In the latest letter from Wells, again refusing to refund my funds to me, they included their account disclosures. Under Section 14 " Responsibility for Errors '' there is a clause that indicates they will make 'all reasonable efforts to reverse or delete such instructions '. It goes on to say that the user accepts all responsibility for losses resulting from those errors. 
I do n't think that Wells has acted in good faith in abiding by this section : 1 ) they told me where the money was and gave me the tracking number and the routing number and name of the institution where the money went-so they know where the funds went. Giving me this information does not sound like a good faith effort on their part to 'reverse or delete such instructions ' ; 2 ) I called and asked Wells Fargo to simply reverse the wire transfer and obtain my funds back. They indicated they could not do that. 
Well, their disclosures indicate 'good faith effort ' but their real actions on this were similar to throwing their hands up in the air and doing nothing on my behalf. 
Section XXXX B indicates that payments are not final for 60 days and the member may seek to recover funds during those 60 days. While this applies to payments received by members, it certainly indicates : 1 ) there is a process for recovering payments and 2 ) payments made within 60 days are definitely open to being recovered. I notified Wells within 5 days of the error and have received nothing from them except indications that they can not, or will not, do anything to correct this error.
Product: Credit card or prepaid card

I received a Amex Gift Card for our wedding on XXXX XXXX. We went to XXXX on XXXX XXXX and went to make a purchase. My wife handed me the card which was still in its original wrap where the number of the card could not be seen. The card kept being declined. We called Amex Gift Card services and they told us that there are XXXX dollars and change on the card. The original/gift amount was {$100.00} and out of nowhere XXXX charges were made on XXXX XXXX. We politely mentioned to Amex that is not possible because we literally opened the packaging. They said the only thing they can do is cancel the card and send us another card with XXXX dollars and change on it. Besides calling them, they are n't very helpful and they seem to accept when a gift card has fraudulent charges on it. I 'm completely vulnerable and helpless with this. I ca n't stress enough that I literally opened the packaging of the card. Over the phone they mentioned that they can do nothing about the charges. On the outside of the packaging it says, " Funds replaced if lost or stolen '' and on the inside it says, " No refunds will be provided for amounts debited from your lost or stolen card before you notify us ''. Am I subject to rules that a card enforces when I just opened it? How could I have possibly have notified them when I just opened the card and this is my first use. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

For open account that has invalid late payments should be updated in my credit profile report as paid on time. 
Under 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

For Open Account Invalid Latepayment XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have sent an order for a cease and desist I am using this site in place of a law suit this will serve as my final warning to this company Ive sent in a cease and desist! Please get them to adhere to the federal guidelines
Product: Checking or savings account

on XX/XX/year> I went into my Ally bank account and change my phone number and my email address. 

Today I went in to make a transaction on that account and they wanted to verify my identity by sending me a text or a phone call. Unfortunately, that phone call or text was going to the prior phone number. I then called the helpline number spent over 25 minutes with an agent who couldnt help me. I then hung up with him called back, spent another 10 minutes. The only resolution they gave me was that they would File a case with their back office department. Unfortunately, I have to wait anywhere from 24 to 48 hours to hear back with them, meaning I have no access to my funds.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Who the XXXX does Miller and Steeno , P.C . think they are, making misleading and false statements about me? Let me make this crystal clear to you XXXX : you might get away with preying on others, but you won't pry on me or harass me with your XXXX comments. Congratulations, you've managed to pile up even more FDCPA violations and break the rules you're supposed to follow under the XXXX XXXX XXXX. Your XXXX XXXX might believe you're above the law, but let me assure you, you're not. You've trampled all over 15 U.S. Code 1692d, 15 U.S. Code 1692e, and ABA Rule 7.1 ( XXXX ). 

I won't stand for your XXXX garbage and the garbage you've spewed about me. The CFPB exists because XXXX like you need to be reined in, and I have every XXXX right to question you, especially about alleged debts that I sure as XXXX don't owe. And let 's not forget, not a single one of my demands was addressed in any of my complaints against you. Oh, and let 's not leave out that XXXX XXXX XXXX conveniently " forgot '' to provide his XXXX BAR License Number and XXXX state law license. Well, guess what? A Bar complaint is heading straight for Miller and Steeno, P.C., and XXXX XXXX XXXX better start complying with the demands in this complaint. 

I demand that you immediately close this file in your offices, cease your collection activity, and stop this relentless harassment. If you have any sense left, you'll start complying, because I'm not messing around. When I told you I'd fight you to the ends of the earth, I XXXX well meant it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 2 UNAUTHORIZED HARD INQUIRES by Cbna Last Reported by XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX. Posted on my XXXX Credit Report that are not on my XXXX Credit Report. I have not applied for any additional credit cards as I only possess one credit card the XXXX XXXX to rebuild my credit. The rest of my processes are for credit repair. Please investigate and remove thes two Hard Inquires from my XXXX Credit Report. I contacted CBNA Customer Service but obtained no satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Product: Student loan

Moved to XXXX due to not being able to find a XXXX job in XXXX as a XXXX in XX/XX/2015, income became much lower, wells fargo has not helped with lowering my payments. I am struggling to pay for my private loans as well as my federal loans and I feel it is unfair that I went to XXXX school and now suffering and working 50-60 hours a week to pay my monthly loans. The lowest they have gone is $ XXXX/ month but increased my interest with out taking into account my monthly rent, car payment, and federal loans. I feel like wells fargo is not working fairly with me to help me or advocate for me.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has severely impacted my life, causing significant stress and XXXX. I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 

Victim of identity theft, XXXX XXXX XXXX  all credit inquiries and New Credit during XXXX XXXX XXXX  to be Deleted From Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.
Product: Vehicle loan or lease

I was advised upon refinancing my loan that it would look better if I took on an extended new car warranty. I was advised that it would look better and this would determine if the new company would provide the loan or not.-Per XXXX XXXX XXXX that is not true. I explained to the agent that my car is brand new and has an excellent warranty from XXXX, my car has low miles. I contacted the Credit Union with whom I was placed with and was advised that my loan determination was not contingent upon GAP insurance or an Extra Warranty. On XX/XX/XXXX and XX/XX/XXXX I sent an email to XXXX XXXX to advise him to remove it and he never responded, I called on XX/XX/XXXX advised Mr. XXXX that I needed them removed he told me that I would have to pay a {$200.00} down payment to have the GAP   removed. He advised me that I " refused '' to pay the down payment in the beginning. In the beginning XXXX was checking with the credit union I was advised that I may or may NOT have a down payment. I received the forms, sent them back and then I was told that I would after the fact. By this time that money was spent. That was not a refusal but poor communication on the agent 's part. I explained to XXXX that he never got back with me on the down payment that I did not have a problem paying but after he did NOT communicate it further. XXXX XXXX XXXX covered the entire loan my question is why would I be asked for {$200.00}?. The information I received from I Lending opposed to The actual place who gave me the loan is conflicting, from the suggested requirement of having GAP, Extended Warranties ( my car is a XXXX has a new car warrenty ) to get financed as well as a down payment which seems more like a fee from I Lending and not the credit union. At this point no one has called me back to resolve the matter, I know my rights and want the GAP and Extended Warranty removed ( as I was advised to do by the credit union ).

Also I referred someone to ilending ( before my issues ) company and he used my name to get a referral I was told by XXXX XXXX that I would not be eligible because the party did not use him specifically. Well on the website is says if your refer someone to " US '', us meaning a collective group not an individual. 
Also, I was given this great speech about skipping a payment, I was not told about the fee of {$60.00} that is added to my loan for that. In the end I just ask that they remove GAP and the Extended Warranty- I have enough insurance and don't need to pay for something twice. 

Please contact me XXXX Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX  TRANSUNION LLC CONSUMER DISPUTE XXXX XXXX XXXX XXXX, PA XXXX Dear TRANSUNION LLC CONSUMER DISPUTE, I am writing to address an error on my credit report regarding the charge-off amount associated with my account. The amount reported to the credit bureaus is {$1600.00}, while I believe the correct amount is {$1600.00}. 
This discrepancy has negatively impacted my credit report, and I would like to request your assistance in correcting this error. Here are the details : Account Number : TRANSUNION LLC CONSUMER DISPUTE Reported Amount : {$1600.00} Correct Amount : {$1600.00} XXXX kindly ask that you review your records and confirm the correct charge-off amount. If the amount on my credit report is indeed incorrect, I would appreciate your prompt action to update this information with the credit bureaus. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Prepaid card

On XX/XX/year> at XXXX I purchased a {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I tried to use the card on XXXX it was repeatedly declined, even when I tried using different billing zip codes, like their websites suggests. At XXXX, less than an hour after I purchased the card, I called customer support at XXXX and was informed they placed an irreversible HOLD on that card. There was no way for me to access my funds without having a new card mailed to me. I find it highly suspicious they put an irreversible hold on a prepaid card less than hour after it was sold, and the only way to get your money is to have them send you another card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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

I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies.
Product: Credit card

Yet again I have submitted disputes to Chase and they simply ignore them. I filled out the online form, got a confirmation of submission of the disputes and then weeks later it is as if nothing happened. 

They continue to attempt to charge me for illegal transactions. They often cancel my card without request stranding me abroad with no way to purchase goods and services. Resolutions require lengthy multi hour phone calls and days waiting for a replacement card for no reason. 

There is no reason to cancel my card because a merchant failed to refund me for returned goods or services never delivered. I have never reported my card lost or stolen yet JP Morgan Chase cancels it anyway. It's as if it's in retaliation for filing complaints against them. Worst company in the world! 

Sunglasses Costanera Cent {$310.00} - the product was returned. Total refund is due. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$360.00} - this is a scam in the country of XXXX where they added an extra XXXX to the charge. 90 % is not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} - this is a scam in the country of XXXX where they added an extra XXXX to the charge. 90 % is not authorized. 

XXXX XXXX {$53.00} - the company revoked my access to the goods/services purchased. Full dispute. No consideration was provided for the charge.
Product: Debt collection

In XX/XX/2019 I was notified by my identity protection company that I had a new collections account. This showed up as Innovative Recovery. I had never heard of or done business with this company nor have I ever received any contact from them stating I owed a debt. When I contacted them they claimed this debt was for an apartment at ( XXXX XXXX XXXX ) an address I had not lived in but for an apartment company ( XXXX XXXX XXXX ) that I lived at over 4 years ago. XXXX XXXX XXXX has a completely different address and zip code. XXXX XXXX   XXXX also claims I have no debt with them nor have I ever. When I asked Innovative Recovery for verification of debt, they sent a statement with bogus charges for dates I didnt even live at the supposed complex. Again, the address on this statement is an apartment I did not reside in. 
Next they sent me a bill that looked like a bill a magazine subscription would give you. Complete with a fill out your card information and send it back section. 
Then this company began calling my cell phone, my parents landline, and my mothers cell phone. They continually try to offer to settle for a lesser amount then they are claiming I owe. I never gave them mine or my parents contact info other than the address to send the verification of debt to. I sent a stop contact letter because this debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my XXXX account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW