23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow-up to XXXX. The USAA CEOs Office told me to re-submit the complaint if the vendor would not refund me as he initially said he would. I re-requested the training as instructed through XXXX XXXX, XXXX, which is what I originally paid for. When I learned that the training would be incomplete ( no official materials ), I contacted the vendor. The vendor then stated he would not provide the training, so I asked for the partial refund, he then said all offers are withdrawn. I have all the documents attached. He also send me a voice file, that appears to be two speakers talking about this issue as a joke and it is scary. Even the merchant says it is creepy. I have the original voice file. I have transcribed it for you. 

1. Transaction Details XX/XX/XXXX : Paid {$3400.00} for XXXX XXXXackage, including : 5-day course ( scheduled XX/XX/XXXX ) Official XXXX materials ( student kit/books ) Exam XXXX XXXX. Material Breach of Contract Undelivered Services : Course repeatedly delayed and never delivered XXXX XXXX materials provided ( per XXXX XX/XX/XXXX written confirmation ) No exam XXXX issued Merchant Admission : XXXX XXXX email XX/XX/XXXX : " Our ONLY mistake was not offering the CISSP class from XXXX sooner '' XXXX. Harassment & Bad-Faith Tactics ( New Section ) Threat to Cease Communication : XX/XX/XXXX Email : " This is my last email to you, as you will be GHOSTED '' Demonstrates refusal to engage in good-faith resolution Unprofessional Retaliation : Unsolicited AI audio file ( transcript attached ) sent after dispute escalation Served no business purpose ; intended to intimidate 4. Failed Resolution Attempts Partial Offers Later Revoked : {$690.00} refund offered XX/XX/XXXX, then rescinded XX/XX/XXXXXXXX XXXX training ( irrelevant to original purchase ) Denied Disputes : USAA ( XXXX XXXX ) : Claim denied FL Attorney General : Neutral decision, referred for legal action 5. Relief Requested Full refund of {$3400.00} for : Breach of contract ( undelivered services ) Unfair/deceptive practices ( FTC Act 5 ) CFPB Action : Investigate VCSGs : Pattern of false advertising ( BOAST program ) Retaliatory harassment of consumers Attachments Payment receipt ISC2 non-payment confirmation XX/XX/XXXX email ( ghosting threat + admission ) AI audio transcript Original documents submitted in XXXX
Product: Credit reporting or other personal consumer reports

Heres a brief summary of what happened : You discovered inaccuracies on your credit report, such as incorrect charge-off dates, high balances, and last activity dates for several accounts, including XXXX XXXX, XXXX XXXX XXXX and XXXX.These errors have negatively impacted your ability to obtain credit. You are disputing these inaccuracies and requesting either verifiable proof of the account details or immediate removal of the accounts from your credit report as required under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Wells fargo Visa card and checking account - demanded over numerous years that all overdraft protection be removed and was assured it was not. each time I overdrafted it, it took from my credit card, allowing me to continue using my debit with no clue I had a XXXX balance. what should have been a one time fee and my card decline on the next purchase turned into multiple " lower fees meant to save me money and help me continue shopping ''. these added up to far more than the one time fee. sure enough, happened again. only this time, the overdraft fee turned into a fee hitting me from the checking account AND credit card side multiple times, then hitting me with cash advance fees. A soda , drive thru and gum purchased totalled all of XXXX bucks, which has now cost me XXXX and climbing as the cash advance fees rack up. apparently, they stick the cash advance debt behind your running balance, preventing you from ever freeing yourself. three separate times now I have called and been assured it was removed.
Product: Credit reporting or other personal consumer reports

Good day, I am asking for help in terms of the inaccuracy being reported on my file. I have requested and insisted the inevstigation and removal of 2 accounts that is listed on the letter I have attached on this complaint. Your help is much needed.
Product: Credit card or prepaid card

I disputed a {$650.00} transaction to American Express in XXXX of 2020 for a transaction that occurred in XX/XX/2020. American Express has continued to close, reopen, close, reopen my case multiple times with no resolution. They continuously tell me that they will have it resolved in 15-60 days but it never happens. The last time I went through this they wanted me to upload a document to their website. However, their website does not allow videos ( it was a voice recording at night where you can hear the bats that are still in my house ). I called back in again explaining and they said oh yes that's just the way it works. I asked for a manager to call me back. They promised one would and then never followed through. It is not right that I am having to dispute this EIGHT months after I originally disputed it. They have not listened to what I have stated multiple times - there was a one year warranty - not on the quarterly pest control services ( they continuously have gotten this mixed up with the {$80.00} dispute I filed at the same time ) - on removal of the bats. It states, " When requested by the customer or deemed necessary by the company additional treatments for wildlife services covered under this agreement will be promptly rendered between regularly scheduled services at no extra charge ... '' I called the company about 5 times between XXXX and XXXX because the bats did not go away. They came out each time - until the last - when they stopped coming or calling. ( A separate part of the company in charge of quarterly pest control called about coming by for their service but never about the wildlife program. That one call and one text which I have proof of were related specifically to pest control - NOT wildlife. ) Please make American Express do the right thing. I have spent in excess of 40 hours trying to get this resolved.
Product: Credit card

Company failed to inform or offer me the product of a savings to provide wanted interest to help pay debts on Credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a fraud on my credit report with XXXX. These company or investors so both company refuse do delete inaccurate information
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 XXXX XXXX : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00}, XXXX : {$310.00}, 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of An Collection Opened at XX/XX/XXXXXX/XX/XXXX Account number ( XXXX ) opened at XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number ( XXXX ) Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an car loan Opened at XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) at XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX doing business under Dovenmuehle Mortgage is trying to defraud us out of our money with a Property Inspection Fee charge of {$20.00}. We have never had anyone enter our home and do a property inspection. Also, the Late Charge Assessment we paid in the amount of {$44.00} is not for us being late on our {$970.00} mortgage loan. It was accessed because XXXX of XXXXXXXX XXXX failed to inform us by not communicating that our escrow account had a shortage. They had ample time from XX/XX/2022, through XX/XX/2022, to call or email us about adding money to the escrow account, which they never did. We have had the same lines of communication since first contacting XXXX of XXXXXXXX XXXX XXXX XXXXXXXX when we began our application for refinancing. This company has deliberately recorded and credited our mortgage payments as being unapplied and late and in default. In XX/XX/2022, we sent a signed written request by both borrowers to " Waive Our Escrow Account '' with XXXX  of XXXX, XXXX per their written request. They are not at all late or missed monthly at all. We have never missed or been late with a mortgage payment whatsoever. If the payment is received after the XXXX of the month, it is considered late and a late fee of {$45.00} will be charged, it is written on the mortgage statement. We never asked or requested any property inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXX Tow XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   , 2017 I looked  logged into the website  by Bestegg to see if I was qualified and what my rates would by ONLY. On their page where I entered my information, it stated that to check rates and to see if you are qualified your credit WILL NOT be affected. My credit was affected immediately! I was alerted within 2 minutes that my credit was affected. I called the customer service department of Bestegg and was assured that my credit was not affected. I received a call 1 week later by a customer agent from Bestegg asking if I was still interested in the loan. At this time I explained how upset I was about the false  advertisement and how my credit was affected when I read on their front page that my credit would NOT be affected by just checking rates and to see if I qualified for a loan. If you do not accept their loan then your credit is not affected!! This agent seemed to be genuine and was going to pass my complaint on to her supervisor and I would receive a call from this person and  1 1/2 m onths later I am still waiting while my credit is looking awful as I am always working hard to keep it perfect. This is not a company that I would ever work with after I was a victim of fraud and lied to b y two differe nt individuals within this company. I am due some type of restitution for causing my  credit score to rise against my will leading me to have to w ait to refinance my mortgage until this is removed from my credit.   The name that appears on my credit from BestEgg.com  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name : XX/XX/XXXX : Account XXXX : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : XXXX : {$0.00} Account Name :XX/XX/XXXX : Account Number : XXXX : Balance : {$4100.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name :XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$2600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX 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: Checking or savings account

Greetings, I had a large amount distributed into my XXXX account from my college refund check from my college and I tried to withdrawal it at the ATM but I was able to withdrawal some but not all of it because theres a limit on withdrawing on XXXX. I cashed out the rest of my money into my chase so I can withdrawal it all at once. When I went up there to the branch for some I wanted to withdrawal the money out but they said they cant help me because I didnt remember my pin at the time and I didnt have my 2 proof of ID verification but I came the next day and had my 2 proof ID than they told me my account was suspended out of no where and than I asked them why than they said they need proof on where I got the money from I went to my college and provided all the documents they needed they was able to reopen my account but my money was never able to be received and with out my money I will be in debt.
Product: Checking or savings account

I understand there is a consumer class action lawsuit against Wells Fargo for overuse of fees/overdraft fee and NSF fees XXXX I am very much affected by this and would like to be added to this class action case.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank of America debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at BoA. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called BoA customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, BoA charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty BoA systems.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing Bankruptcies that have been Reporting inaccurately On my credit report for months. Experian says they have been verifying this through XXXX. The problem with that is that my credit file with XXXX is frozen. I called XXXX myself to verify if any information is given out while my file is frozen and A representative confirmed that once the file is frozen no information is given out of any kind. So with that being said I want to know how Experian is verifying this. I have attached the dispute results from Experian Which clearly says they confirmed with XXXX along with the letter from XXXX XXXX confirming that my file is frozen.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting {$250.00} from XXXX XXXX XXXX on my Transunion report. I called them to find out more information about the debt and they told me the debt was no longer with their office. I asked them why they were still reporting it and immediately disputed with Transunion. I provided Transunion the phone number I called and the rep I spoke with. XXXX verified the debt AGAIN even tho they do not own it. I can not find out any info about this debt and want it removed from my report. This is so unfair. I called XXXX XXXX XXXX and they didnt show any debts for That amount either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my Experian Credit Bureau from a Creditor by the name of University XXXX XXXX XXXX XXXX that isn't mine and its been reporting to my credit bureau since XXXX. I have disputed the collection multiple times and have disputed directly with the creditor. Experian tells me that when they do their investigation that the debt comes back as valid and that it will remain on my credit report. This debt was from XXXX, its over 12 years old. I  called University XXXX XXXX XXXX XXXX and they tell me they don't have to provide me with proof and that I should just pay the debt. They also told me I should call my local Police Dept and file a Police Report however they wont do so because of the age of the debt and that I have no proof to show them that a debt I'm claiming isn't mine exist. I want this removed from my Experian credit report at once and want to file any and all complaints I can and I will even consider private litigation if needed.
Product: Credit card or prepaid card

Chase Card services and XXXX XXXX offered a promotion for new card users of XXXX XXXX ( airline miles ) if you spent {$5000.00} within the first XXXX months. I opened account in XXXX, 2021 and qualified by spending the required amount by XX/XX/2021. I have not received my bonus points. 
Several calls to Chase ( XXXX ), they connected me with XXXX XXXX times with. an automated message who then hung up ( XXXX ). Chase sys they are not responsible and contact XXXX. I have emailed XXXX at XXXX and have not received a satisfactory response. 
XXXX Points Number # XXXX Chase XXXX XXXX XXXX # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have subimitted several disputes of information in regards to XXXX XXXX credit card accounts showing incorrect payment information ... the credit report refuses to let me dispute again stating they have investigated and the information is valid ... my problem is I received a letter from XXXX XXXX that confirms that didnt provide any information to the credit bureau in regards to the dispute ... thus the credit bureau is luring it hasnt perform a valid investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the fair credit credit reporting act, XXXX  Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX has been violated my rights. 

15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : It also states a consumer reporting agency can not furnish a account without my written instructions