23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've contacted capital one in regard to a late payment that they say I've accrued in with them. I've always paid my bill on time which i told them. I also told them the payment there saying I was late was not my fault that my wallet was stolen and had to get another debit card and had to set up my automatically bill pay to the new card which i did. I informed them of my wallet being stolen. I also mentioned to them that I've moved XXXX  2020. I have put a change of address in with USPS to the address that I've moved to. I've told them that I didn't receive any mail from them pertaining to a payment being due or pass due because of how I set up the bill to be paid on the due day of every month it was due through my auto pay. I've talked to representatives that were promising me that they were going to remove the late payment, but it hasn't been removed. There are some other concerns with other agencies that I've tried addressing with the agencies, but they were not being really helpful when asking for validation. They were being really rude and what seems to me that they were just trying to rush me off the phone or not sending me validation.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX asking resurgent capital services to validate an alleged debt that I noticed on my credit file from XXXX XXXX XXXX XXXX. I also ask for resurgent capital services, XXXX. to cease and desist.
Product: Money transfer, virtual currency, or money service

Hello, The bank doesnt have the option to block my card or all my transaction in case my card information is stolen. This is a very concern security issue. Also, customer services is really bad and trying to blame the customer instead of fixing the issue
Product: Money transfer, virtual currency, or money service

transferred XXXX dollars on XXXX via Western Union. After finding out based on lack of employees the transfer would take 5 business days I called back XXXX at XXXX and cancelled. They stated would take 5-7 business days to return to my account. After 9 days I called back as the money had not been returned. Upon that conversation on XX/XX/XXXX they let me know if wasn't cancelled properly on their end. I then asked them to cancel and return money again. This time I asked since they messed it up on their end to expedite process and they said they couldn't. I asked to speak with a supervisor, I held for 20 minutes then they stated they have too high demand and a supervisor would call me back. After 10 days with no call back or response I called back on XX/XX/XXXX at XXXXXXXX XXXX. I asked why my money hasn't been returned even after the 5 days and why a supervisor never called. The person had no response. I then asked to cancel my transfer again and to speak with a supervisor both to expedite the process and to talk through the terrible service. I sat on hold again as they stated they don't have supervisors available could call me back. This is absolutely a disgrace for a financial institution. If you do not have enough employees to service requests do not take the profits when you can't handle the issues.
Product: Credit reporting or other personal consumer reports

I dont have any wet signatures with following companies listed in obtaining debts and have been harassed by these companies with calling and leaving voicemails and text messages : -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
Product: Money transfer, virtual currency, or money service

Please reference an internal ticket number provided to me by a chime manager during a call around XXXX XXXX XXXX XX/XX/2024 regarding chimes refusal to release my refund after being notified by the merchant that it was ok to refund. 

I booked a stay at the XXXX XXXX  XX/XX/2024 but did not stay and so the hotel refunded me the {$50.00} hold. They sent an electronic authorization to release the hold to chime and chime refused to release my money citing a pending transactions needed to remain on hold for 7 days despite the merchant authorization to refund and release. I asked for an explanation as to why and was repeatedly told the policy with no explanation. 

Countless reps told me they could see the merchant refunding me but XXXX the manager stated he could not. One rep who agreed that it was egregious and vowed to find help was the last rep to confirm he could see the refund from XXXX. Manager named XXXX claimed he could not. ( I dont believe he was looking for it either ) Banks holding on to money that doesnt belong to them for extreme lengths of time is theft! Because banks can do whatever they want with the money while we wait and the customer gets nothing in return!
Product: Credit reporting, credit repair services, or other personal consumer reports

in response to what tranunion is going to do here is what i want donego over cpmplaints i submit and according to law you have to provide me with my wet signature or proof i was ofered credit from all these companys XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX
Product: Debt collection

Date of account is being reported falsely. The original debt dispute was never communicated with original creditor due to address changes and when I finally heard from anyone, it was already sold to a debt collection agency. The original debt was from XX/XX/2014 and although I offered to pay it in full if they removed it from my report, they refused to remove it. I then recently noticed that they keep changing the reported date, effectively keeping it perpetually active on my credit report which I know is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have the right to privacy 15 USC 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. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in a paragraph the term " consumer report '' does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with bank of America and was closed on XX/XX/XXXX, told banking not done as per banking terms. My account number was XXXX. I recently got my banking credit report from XXXX and it stated checking account fraud.. which has really made my life a living XXXX by the BoA as I have not done any unlawful activity and I am a victim for fraud without getting any information from me by the Bank. Bank reported all the outgoing ACH as fraudulent on my report. I contacted the risk management department and no one was able to tell me the details of the transactions as fraud and how come all the transactions from XX/XX/XXXX be fraudulent for approximately three years?? 

Please help me to resolve this matter at the earliest.
Product: Money transfer, virtual currency, or money service

I had sent a wire XX/XX/XXXX to a person at wells Fargo of XXXX. The money was never released to the recipitent? The bank called me, and asked if I sent? I said yes, Then they said they could not talk to me, since I was not the customer of Wells Fargo. 
Then on XX/XX/XXXX, I was asked to call wells fargo with a claim number of transaction, I did, and was told there is no transaction with this number. Then I spok to the recipitent, and they told her they were sending the XXXX back to my account. That never happened, Then they said the money would be returned XX/XX/XXXX. Nothing yet, However the resipitent said they closed her account? but they will not say where and how money is being distruibuted? I have the receipt so you can see, My bank and I thought this person recieved. This disaster has caused me a financial loss, and so much duress. It is over 45 days, and I can't get any answers! I am being penalized for something that I have no control over.
Product: Consumer Loan

Behind on loan payment by a couple of weeks. I have received 3 calls to my place of employment. Each time I 've asked for that number to be removed as I ca n't receive those types of calls at work. I was told it would be and yet they called my job again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several dispute for the following accounts but I haven't been notified with the result to my mail : XXXX  Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX Account # s : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

All the listed accounts need to be removed. They are affecting my ability to obtain credit to continue running my business. 
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
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 XXXX and Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX OF XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX XXXX {$210.00} XXXX  XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX XXXX {$230.00} XXXX  XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX BALANCED {$140.00} XXXX XXXX XXXX XXXX {$940.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$1500.00} XXXX  XXXX XXXX BALANCED {$170.00} XXXX  XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX BALANCED {$8000.00} XXXX CARD XXXX BALANCED {$2800.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} CAP XXXX NA - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report when I ran across a few accounts I didn't nit recognize. XXXX was XXXX XXXX XXXX. Not to mention the account number is wrong I did not open this account. Also I don't recognize XXXX card account XXXX. Please have the company investigate this account. And finally XXXX bank XXXX. I think this is a fraudulent account. I dint open this account and have not made any payments towards the show balance.
Product: Bank account or service

When I was with XXXX XXXX I opted out of overdraft service so that if I did n't have funds available they would decline my transactions. They were purchased by US Bank and I was told everything had transferred over as identical. Today I found out that instead of declining transactions they put them through and overdrafted me - I tried to find on their site the location where it lists that I have it set up to decline, and not only can I not find that like I could with XXXX XXXX but it does n't even appear to be an option - I can either set it up or do nothing - but I am not allowed to opt out so the transaction will decline. Are n't they legally required to follow a customers wishes when they opt out of this and want their transactions declined? They appear to be purposefully stalling the transactions and they delay sending me my text notifications so as to make the transactions hit because I checked before I went shopping and there was enough to cover then suddenly there was n't - the only explanation is they are n't posting all the pending transactions, just the XXXX they feel like posting.
Product: Mortgage

On XX/XX/XXXX. I closed on a mortgage with Bank of America. The lender had me prepay 11 months of taxes and 4 months of homeowner 's insurance. I prepaid a year of homeowners insurance as well. This violates RESPA Section 10, stating lenders are allowed 1/6th cushion, 1/12 for monthly escrow, and a year of HOI. My monthly payments follow the 1/12 rule but the prepaid taxes violates this rule. I have not contacted lender. I submitted complaint to you.
Product: Vehicle loan or lease

We have a car loan with XXXX XXXX XXXX back XXXX of XXXX. The car was involved in a total rec accident. Honda Financial had paid insurance and gap insurance. This all happen when when I lost my job during this time, I was having some hardship financially so I missed payments in the process before and after the accidents of the car. 

The insurance and gap insurance was totally paid off. now it's just my deductible {$1500.00}. during this time I did not have a current job as of yet. I ask Honda Financial to give me 60 days or make payments in range of 2-3 months, they refuse my and did not understand my situation. I finally got to payoff the car after 2 months of missing this dates that affected my credit history. 

in XXXX of XXXX I was able to settle the and pay the full amount to close this Auto Loan account. Now that I've been trying to get my credit established this is showing on my history. 

If you could please help me dispute this record to be taken off since this is already been paid off. 

Thank you -XXXX XXXX
Product: Credit reporting or other personal consumer reports

There's a XXXX XXXX bankruptcy that's being reported on my credit report I have disputed the information numerous times I've contacted the bankruptcy court and they have advised me they do not report to the credit Bureau plus the bankruptcy court advised me there is no bankruptcy under my Social Security number I've also provided a letter from the court to have this XXXX  XXXX bankruptcy removed off my credit report because it's an error not sure where you're getting your information from but it's incorrect.
Product: Debt collection

Webster bank is insinuating I went into bank when I was in XXXX. I showed proof and they threatened me. I got a legal aid attorney and I filed 500 ftc reports. they are illegal and uncaring crooked bank. they want to blame somebody. thus is not my loan I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Product: Money transfer, virtual currency, or money service

On XX/XX/23 and XX/XX/23 Cash App stole money from my account claiming a technical error back from XXXX, caused the money from two transactions, both to XXXX, dated XX/XX/23 and XX/XX/23 not to be withdrawn from my account. I have screenshots from my account history on their app showing both transactions were completed at time of purchase. I also have a ledger provided to me by a supervisor at cash app showing the money was taken twice. They are refusing to put my money back they stole. I XXXX this issue and there are thousands and thousands of people with this same issue being told the same lie about XXXX XXXX transactions. This is wrong what they are doing to people. This is THEFT.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt from CNAC in the amount of {$9700.00} on XX/XX/year>. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report.
Product: Debt collection

I paid a medical collection to Collection Consultants, and subsequently informed them that because it was a paid medical collection, they must now delete it from my credit report as required by the XXXX XXXX XXXX and Accountability Act ( HIPAA ).

They have refused, and violated my rights under HIPAA.
Product: Student loan

I believe that I may be a victim of identity theft because my car was broken into and all my personal belongings were in my purse such as my social security card, my id along with other items in my purse.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and social security number got into the wrong hands through a contact of my son 's ( he is house bound and has several cyber contacts ). 

This was a scam and the perps. are using my info. to open and close accounts. 
I am working with my credit bureau - but they don't seem to have an answer as to how I can keep these people from opening and closing accounts in my name.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXXXXXX XXXX XXXX XXXX XXXX contracts investment fraud conflict of interests 18 U.S.C. Section 208 association, or directive relationship interests to Director, Individual Tax Division, Internal Revenue Service, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that conflicts with the performance of contractual official duties described as decisions, approvals, disapprovals, recommendations, the rendering of advice, investigations, or otherwise, in a judicial, or other proceeding affecting excise exempt personal property income salary tranches, commerce 18 U.S.C. Section 641 stolen government property 18 U.S.C. Section 2314 income tax refunds EFTA E-File, 18 U.S.C. Section 8 indebtedness, securities registration XXXX or 15 U.S.C. Section 1692 ( c ) bond debt collections, or rescission of securities 15 U.S.C. Section 1635, finances contractual resources misapplication 18 U.S.C. Section 656, and aggravated identity theft 18 U.S.C. Section 1028A participations ; withdrawals by negotiable instruments 12 U.S.C. Section 1832 ( c ), or transferable instruments for transfers to third parties, 18 U.S.C. Section 1001 false financial statements latency over the periods XXXX, XXXX, XXXX, and XXXX encompassing interstate commerce 15 U.S.C. Section 1214, the property description reportable statement W9/W2 Salaried Income Tax Refund 1040 Adjusted Gross 26 U.S.C. Section 62 transactions purpose means, the depositing schedules, withdrawals, transfers between accounts, exchange of currencies, loans, extension of credits, purchases or sales of any stocks, bond securities, share certificates, or *registered monetary instruments, or investment securities, or any other payments, transfers, or deliveries by, through, or to the financial institution ownership selected by whatever means.
Product: Credit card or prepaid card

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XXXX of 2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XXXX of 2018 a credit limit was granted, in XXXX of 2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.