23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I disputed a charge with Capitol OneXXXX XXXX XXXX for a hotel reservation that was made on a suspicious hotel booking site called " algotels.com '' [ merchant ]. I informed Capitol OneXXXX XXXX XXXX about my concerns about this website and requested for them to stop the charge as I attempted to call the vendor directly but was unable on my own. Capitol OneXXXX XXXX XXXX initially credited me the amount, but then charged me again as they claimed they received communication from the merchant they proof was provided that I booked the hotel reservation via their website. Since then I have been in contact with the merchant via email ( see attached ) that acknowledged my request for a refund, but they would not give it to me because I had to wait 90 days. I'm not sure why I have to wait 90 days and spoke to Capitol OneXXXX XXXX XXXX again on or about XX/XX/XXXX. I was informed on XX/XX/XXXX, that they have " closed '' their case and told me that I should get a refund. Since XX/XX/XXXX I have still not received a refund from the merchant and Capitol OneXXXX XXXX XXXX is refusing to assist me since I have again told them my difficulties in calling the merchant and accessing their website and my continued concerns that the merchant is a fraud. I received a letter from Capitol OneXXXX XXXX XXXX that I failed to submit any documentation, but I did on XX/XX/XXXX when I attempted to reopen this dispute. I received a notification that there is nothing they can do to assist with me in accessing my refund and they ignored my request to dispute the charge with this suspicious merchant known as algotels.com
Product: Debt collection

XXXX XXXX XXXX is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, HSBC Bank USA, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, XXXX XXXX completely ignored HSBC and is incorrectly and malicously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that XXXX XXXX XXXX cease from reporting my closed HSBC accounts to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow-on complaint to the complaint I filed last month that was closed ( XXXX ). 

Experian manually placed the freeze on my account as I requested, but I still can not access their online system with my name and SSN - or through their phone/bot system. ( Should I want to remove the freeze temporarily to access my credit report or request credit for legitimate purposes, I have no way of doing so ). The error messages I received in XXXX are the same error messages I received today. ( See attachments ) I received a notification today from a bank saying they could not move forward with my request for a credit card -- -this was fraudulent activity -- - I have not applied for a credit card. While I appreciate that the freeze worked to prevent the fraud, I need Experian to make their online system accessible to me.
Product: Money transfer, virtual currency, or money service

Wells Fargo- I sent {$500.00} via XXXX to someone for a puppy purchase on XX/XX/2020 and discovered I have been scammed. Sent them proof I was scammed and was told they are not responsible and could not help me. I filed a complaint with XXXX to discover this company is a whole scam.I advised XXXX and Wells Fargo if this also. No response I also reached out to XXXX about the gift card being scammed no help
Product: Checking or savings account

Dear Sir/Madam, I opened an HSBC Advanced checking account on XX/XX/XXXX because of a bank promotion of sign-up bonus of {$350.00} upon completing all qualifying activities. I completed all the required activities and the bank did not deposit the bonus in my account per the published timelines. After following up for several weeks, I was told that I could not qualify as I had an open Home Line of Credit with them in the past 3 years. 
This is not true as I requested to close this account in XX/XX/XXXX during the refinancing of my home and I have paperwork to support it. For some reason, HSBC made an error and it does not shows up as closed in their system until much later. I am getting penalized for bank error as I moved {$10000.00} from an interest bearing account to HSBC checking account with no interest with an expectation of getting the sign-up bonus. 
I will appreciate if you could help me resolve this matter. 

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

I have reached out too these companies back in XX/XX/ in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation took more than 30 days i am writing this due to non-compliance with the ( XXXX Experian, XXXX ) have failed to remove information that affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and a outright refusing to uphold the law
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Vehicle loan or lease

I bought the car from prestiage financial, I was negotiating with the Rep, to lower my monthly payment so I could afford to pay since the job I have they run out the project for a while and I do n't have any saving secure, instead of them did n't help me out but was charge me and posted to the credit agency, to help me get out from their company I was try to traded my car in but the negative balance and they do n't take it, and the car dealer was ran my credit over and over and make my score down because I try to get the loan to get a better interest from prestige. It 's very awful Iask XXXX XXXX to help me sell the car instead of they asking me XXXX ca n't do anything but they went to pick up the car without letting me know and they said they put it in the auction but the car balance still the same. This is unfair for me
Product: Mortgage

According to the Dodd-Frank Act of 2014, Ditech Financial, LLC could be in violation for not providing me my final mortgage statement showing how the payoff was applied, ( i.e. how much was applied to principal and how much was applied to interest, etc. ). 

My record indicates that there was a total of {$96.00} overpaid on this account. Unless, Ditech Financial, LLC provide me with my last statement, there would be no way for me to know if the payoff they had provided to XXXX XXXX XXXX is accurate. I was informed by them that they do not provide the last statement, but a letter informing me that my account is paid in full.
Product: Credit reporting or other personal consumer reports

I am reiterating my concern with EXPERIAN through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, EXPERIAN maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 

The investigation period has extended beyond 30 days, during which EXPERIAN claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 

I am reaching out once more in the hope that EXPERIAN can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that EXPERIAN will uphold its commitment to maintaining the integrity of the credit information it provides.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address serious violations committed by XXXX XXXX XXXX XXXX XXXX, XXXX and Transunion regarding the illegal reporting of my student loan information. 
Violation of Family Educational Rights and Privacy Act ( XXXX ) Under XXXX, schools are required to have written consent from a parent or eligible student before releasing any information from a student 's educational record. I have never provided any written permission or contract authorizing [ XXXX XXXX ] or XXXX, XXXX and Transunion to disclose or report my educational records. 

XXXX only permits disclosure without consent in limited circumstances ( XXXX XXXX  XXXX ), such as : * To school officials with legitimate educational interest. 
* To comply with judicial orders or lawfully issued subpoenas. 

No such circumstances apply here. If [ XXXX XXXX ] believes I provided written permission, I formally request that documentation pursuant to Rule 1002.

Violation of 15 U.S. Code 6801 - Protection of Nonpublic Personal InformationExperian, XXXX and Transunion have violated federal law by failing to safeguard my nonpublic personal information, as required under 15 U.S. Code 6801. This statute imposes an affirmative obligation on financial institutions to protect the privacy, security, and confidentiality of customers records. Specifically : 1. You failed to secure my records and protect them from unauthorized disclosure. 
XXXX. You unlawfully furnished my private educational records to credit bureaus like TransUnion, XXXX, and XXXX, which have experienced multiple data breaches. 

Identity Theft Under 18 U.S. Code 1028A Your unauthorized use of my private educational records amounts to identity theft. Under 18 U.S. Code 1028A, it is illegal to knowingly use a means of identification without lawful authority. By reporting my student loan information without permission, you have violated my rights and caused significant harm to my creditworthiness and personal reputation. 

Impact on My Life Your unlawful actions have caused severe inconvenience and harm to my life, including : * Denial of credit applications. 
* Adverse actions that have affected my financial stability, reputation, and overall quality of life.
Product: Debt or credit management

My name is XXXX XXXX I try to get rid of the insurance scam the banks has pmi I contacted the bank they told me excuses they said I was late in my monthly payments I have lien and my house was under value I try to do get some money from my equity and one of the agency I contacted said I had a loan modification so my mortgage bank did a loan modification with out I know that I had a loan modification with XXXX  XXXX XXXX 2015 but that was the only one I needed so now I found out the mortgage bank changed it with out I know I think this ilegal I didnt need another loan modification they did it to increase the term fees and interest XXXX  XXXX XXXX sold my mortgage loan to XXXX XXXX and it is managed by shell point they came and changed the loan modification money interest
Product: Credit reporting or other personal consumer reports

I have went back and forth with this company for quite some time asking for a lease that I signed with XXXX XXXX XXXX at XXXX XXXX and was provided a lease to another apartment complex. I then called the leasing office and one of the agents there looked up my name and stated I had no account with them at all and can have the call pulled. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Product: Credit reporting or other personal consumer reports

Ive sent disputes for TransUnion to remove my late payments and change to paid as agreed. Ive asked for proof that my late payments were late. Ive disputed the XXXX. Asked for proof that they sent me a 21 day late payment warning they sent nothing accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account for  XXXX   XXXX   XXXX  several times now with Transunion and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A )  ( 5 ) ( B ) ( ii ), the dates are as f ollows  :   XXXX   XXXX   XXXX      ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Also not to mention, I feel that they are also attempting to reage this account by continuing t o change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCR A Section 605 ( c ). I curre ntly have an open dispute with Transunion and fear that I will still have no resolution to this issue.
Product: Debt or credit management

I enrolled with National Debt Relief in XX/XX/XXXX. They took {$300.00} out of my bank account twice a month through XX/XX/XXXX for a total withdrawal amount of {$5100.00}. In XX/XX/XXXX they removed me from the program and said that I called to cancel which I did not. What I had done was sent several emails and messages through their site requesting an accounting of where my money went. On XX/XX/XXXX, after they lied about me calling them they sent a spreadsheet showing they had paid out a total of {$55.00} to creditors with no accounting of the rest of my money. I have since repeatedly sent email requesting a full accounting and a refund of ALL my money- all emails have been ignored. On XX/XX/XXXX they refunded {$1200.00} to my account, leaving {$3800.00} unaccounted for. According to their own policies they state We earn nothing for our work until weve achieved the results you want, and you feel great about the savings. Under this policy, they need to return the balance of {$3800.00} that they took from me without providing any results whatsoever. They continue to ignore my requests.
Product: Prepaid card

Experienced identity theft fraud involving my PayPal account. Someone obtained my PayPal password and used it on XX/XX/XXXX to make an eBay purchase ( not from my account ). Paypal reversed this charge and password was changed. Despite this, on XX/XX/XXXX my account was again used to make XXXX eBay purchases for computers, shipping to a name/address unknown to me. On filing claim, PayPal positively closed XXXX case in the amount of {$2100.00} but on other virtually similar case for {$2200.00}, PayPal closed case upholding the transaction. As of XX/XX/XXXX, they are still planning to submit an ACH bank account withdrawl from me for {$2200.00}. This despite calling their fraud department twice to appeal and sending them further documentation, which I had informed them included police report and FTC complaint. Not only am I suffering from identity theft fraud, but PayPal is treating me as the criminal instead of the victim. I simply can not understand their actions here despite informing them via phone this violates Fed Regulation E as pertains to fraudulent transactions. This is complete fraud! The transaction did not come from my eBay account and was not shipped to me or to a person I know. I 've been a member of PayPal since XX/XX/XXXX and never had such transactions on my account in the past 15 years! Since this occurred, I have filed XXXX, AZ police report, filed FTC identity theft complaint, filed FBI Internet Criminal Activity Report ( IC3.gov ), placed a fraud alert on my credit bureau files, and notified my bank. I would like help in communicating/discussing with PayPal at higher levels than their front line customer service agents which appear unable to understand or resolve the issues. I 'd like PayPal to remove the XXXX fraudulent charge as they have the other XXXX.
Product: Checking or savings account

XX/XX/23 - XXXX different deposits of {$9800.00} taken out in XXXX day ( total {$29000.00} ). Per Chase, it was a " deposit reversal/partial withdrawal '' - Someone opened a business account under my name with Chase. 
- They put the deposited the money and supposedly closed the business account. 

XX/XX/23 - Noticed it on my Chase app and reported it to Chase XX/XX/23- Went to Chase bank to resolve the issue. XXXX found XXXX people on the business account ( including me ). Claims department couldn't take the case. XXXX XXXX couldn't take the case. 

XX/XX/23 - Went to chase bank with not much movement. They advised to file a police report, sign up for credit journey, and replace my credit cards. I followed through that day. 

XX/XX/23 - Called XXXX and XXXX to do a credit freeze XX/XX/23 - Chase escalation team called to say they took the case. 

XX/XX/23 - Called Chase looking for updates. No updates. They said it takes time. 

XX/XX/23 - XXXX a voicemail with chase bank and with person working in escalation dept on my case XX/XX/23 - Called chase bank again. Had to leave a voicemail XX/XX/23 - Escalation dept in Chase called to tell me they can't take my case. No internal depts would help her - New Chase banker ( XXXX XXXX ) took my case XX/XX/23 - Chase banker brought my case up to another escalation dept in an XXXX office in NY. 

XX/XX/23 - Went to a meeting with another chase bank to meet an XXXX here. The XXXX cancelled last min. 
- XXXX new chase bankers are familiar with my case. Brought it up to XXXX XXXX Assistance group.
Product: Vehicle loan or lease

Yes, I had a collision while driving and my car was totaled. I had full coverage car insurance and gap insurance. XXXX sent me a letter and said that they did not have to pay out the remainder of my loan because I accepted less of a settlement than what the car is worth and that since the document was signed that I accepted the loan I could not contest it. XXXX the agent I spoke to said that there is a grandfathered clause on the contract that I signed that says that if you accept less than the value on the car you have to pay out the rest of the loan and he offered me a refund of the {$580.00} I paid when I signed the contract. First off, could you please let me know where it says that on the contract? Othewise, why even charge me for GAP insurance at all? Why would you make me think I had Gap insurance when I didn't? Also, the insurance valued the car fairly at approximately $ XXXX. I hit multiple pot holes and got flat tires several times. That actually happened that Sunday prior to my accident and I had to call XXXX.Then, someone tried to steal it in XXXX and broke my rear window. The insurance sent XXXX to fix it and the mechanic told me that whoever did it broke it with a crowbar and in order to fix it he put the window back but the door would need to be replaced eventually because he could see where the window was thrown off track. I looked at the XXXX value just now and it said that my car in rough condition with the mileage was valued at XXXX which is what the insurance paid out to the lien holder so I'm trying to figure out what XXXX is talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate data that is affecting my home loan acquisition. 

They do not have an online reporting access or not taking information on telephone line. 

The collection item XXXX XXXX on the report is incorrect. 
The settlement was paid, and they are still reporting as unpaid,
Product: Money transfer, virtual currency, or money service

As I have done many times before, I wired monthly child support to my former spouse, who recently remarried and changed her name. I was unaware she had not yet changed her name on her bank account. Instead of contacting me to sort it out, Bank of America took {$45.00} out and bounced the remainder back. I called and tried to sort it out over the course  of two phone calls totaling 40  minutes. At the end, I was told the wire department would not speak to me because I 'm not a Bank of America account holder. I am, in fact, an account holder. I had no way to know about their fees, and they had no right to take the money from me without a signed agreement from me. A simple phone call or email would have solved things, but they too k the low road on this one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do n't know, nor have I ever applied, signed ANY application for any loan from Lending point ... got a email saying that I had applied for a installment loan, and that I was declined!!! All this unbeknowest to me ... I sent a email to Lending Point letting them know that I had NOT applied for ANY credit installment loan, and that if they were reporting that to the CRA 's that I would be filing a complaint in  XXXX   XXXX  Superior court for them erroneous reporting a inquiry to the CRA 's in violation of t he F.C.R.A. I  have also filed a Identity Theft report with my local police station ...
Product: Debt collection

The collection agency " The Revenue Group '' called me numerous times. This morning they called again from XXXX and I answered. They asked to speak to XXXX XXXX, who is my XXXX year old mother. I told theM she was asleep and XXXX. The Representative XXXX XXXX asked if i would wake her up and i said no i would not and asked if i could help them as i am her son. She then explained that she was a debt collector and that my mother owed money to someone - I did not catch to whom - at this point I explained that she had violated the Fair Debt Collection Practices Act by disclosing to me a third party that : A. Who she was B. Who she worked for C. That she was a dept collector D. Who her client is She began to try to talk over me, insisting she had not violated the law. 

I asked for her name which she gave willingly, but I had to ask her a few times for the name of her company and she all but refused to give me her phone number saying " do n't you have it on your cell phone? '' I told her that the number that appears on my cell phone may not take incoming calls and that I wanted the correct number to her company, which after a few more requests she gave me.