23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting or other personal consumer reports

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial XXXX I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I transferred XXXX XXXX ( XXXX XXXX ) from my XXXX XXXX to Binance.US. Transaction code available upon request. I made a mistake on the memo portion of the transaction and although the currency was taken out of my wallet, it was not added to my account on Binance.us. i went to support and filed a " ticket '' ( ticket number available upon request ). On the support page it states clearly that in this case Binance.us will charge 5x transaction fee to correct the memo. I received a email from a third party named XXXX saying my ticket was in the queue. I waited until XX/XX/XXXX and refiled the ticket with more information like transaction number and acknowledgement of fee associated with correction of memo. They sent me a response email giving me a new ticket number XXXX. I then waited until XX/XX/2021 with no response. During this time frame the price of the currency grew by 80 %. I filed another ticket on XX/XX/2021 and received an email saying i was pushed to the back of the queue and would continue to do so if i filed any more. Since this time i have not been able to receive any information from them regarding my issue and the price of the currency has fell to below my initial investment price. My next step was to get into the live chat on the website which is a bot, never a human. and had my ticket " escalated ''. I have done this 4 times hoping to get this resolved. As of now its been over 2 months and i have yet been able to recover crypto or talk to anyone.
Product: Credit card or prepaid card

With final notice dated XX/XX/XXXX Bank of America informed me that a check issued in my favor by the bank on XX/XX/XXXX (!! ) in the amount of {$460.00} has not been presented for payment. 
This letter was sent to my old adress in XXXX and had to be forwarded to XXXX, where it arrived on XXXX XXXX. I have immediately returned it with my request to issue a new check or make a bank transfer to my account. 
During a phone call at the indicated number I was told that the check is no longer available and will be handed to the State of Florida as lost property. 
This is not acceptable as it has taken the bank more than 5 years to inform me of this check which never arrived at destination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian will not respond to my letters or fraudulent inquiries of identity theft. I have numerous accounts that are a result of identity I have provided them with affidavits police reports and they are still violating my rights and reporting false information.
Product: Money transfer, virtual currency, or money service

I was informed on XX/XX/year> that someone took my checkbook and wrote a bad check on and old account thats no longer available. The check was for XXXX His name was XXXX XXXX. 
Ace cash express sent me evidence of his name and when he wrote the check.
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 XXXX15 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. 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. The following inquiries were also opened under my social security number fraudulently. 

This item is a fraudulent item opened under my social security number violating my FCRA rights.
Product: Credit reporting or other personal consumer reports

I applied for the XXXX  credit card was approved but after they took money and sent me the card they wanted more money and they did XXXX  hard credit pulls when a soft pull was what should have happened. Expecally for the secured card I applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal dispute with XXXX, XXXX and Transunion on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, XXXX and Transunion to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. XXXX, XXXX and Transunion did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in  clear violation of my rights. I demand XXXX, XXXX and Transunion be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Product: Checking or savings account

I received a text message the morning of XX/XX/23 asking me to verify a transaction that was being placed on my debit card. I instantly texted back the word NO because I didnt make any transactions with my card considering I had been at work all day. I went to look at my bank account and saw that it was legit drained! I JUST GOT PAID THIS MORNING! My paycheck was just direct deposited into my account and right after it looks like these places in another freaking country started having a field day with my money until they couldnt anymore! Of course Im on company time trying to call Huntington bank and cant for the life of me get anyone who is competent enough to help me on the phone. Eventually after trying to get a supervisor to help me for over an hour-I was transferred to one named XXXX. He claimed he worked at the corporate office but honestly I dont know how he has a customer service job because the entire time I was on the phone with him I felt like he wasnt even trying to help me! He had absolutely no empathy whatsoever and wouldnt stop huffing and puffing as if helping me was the worst thing hes ever had to do. His tone was so down that after being on the phone with him trying to defend myself for about XXXX minutes, I feel like Im going to be out every single dime I had to my name! I cant even pay my rent let alone any other bills because my account was drained! He didnt even offer to send me a new card even after I told him that the closest branch to me was over XXXX XXXX hours away. I need to speak with someone who actually gives a XXXX about their customers because this experience with Huntington bank has been completely awful and I wouldnt tell anyone to bank here. I put in a dispute on XXXX fraudulent charges a few weeks ago and they were denied without even asking me for proof of anything-and when I had to beg a CSR to reopen the dispute-she gave me absolutely no hope that Id get a dime of the {$3000.00} o was missing back. Well this time Im missing over {$2000.00}! WHAT IS WRONG WOTH THOS BANK? Someone needs to contact me asap!
Product: Consumer Loan

I purchased a car out of state ( XXXX ) and financed the purchase through US Bank in XX/XX/XXXX. I went to the XXXX DMV to switch from the temporary tag to my permanent tag and I could n't do it without the title. The XXXX DMV contacted US Bank to get a copy of the title, they in turn contacted XXXX to get a " paper '' title. XXXX is an electronic title state and does not issue " paper '' titles. US Bank claims that they can not ask for an electronic title and they keep asking XXXX for a " paper '' title. It has been 5 1/2 months since I purchased the car and I STILL do not have the title! I 'm on the last temporary tag, the XXXX DMV said they will not issue anymore temporary tags once this one expires in 30 days. US Bank has messed this up and their customer service department has told me a different excuse every time I call in. They requested a " paper '' title on XXXX/XXXX/XXXX and was told from XXXX they needed to request an e-title. After several contacts from both me and the XXXX DMV, US Bank asked XXXX for a " paper '' title AGAIN on XXXX/XXXX/XXXX. XXXX said this bank has messed this up in the past for other customers, and in the past the bank used a third party to get the e-title and transfer it into a " paper '' title so they could process it. They should do that in this situation too. It 's unbelievable that they are preventing me from legally driving the car I purchased because they do n't want to process an e-title. I pay my loan on time every month, they need to FIX THIS.
Product: Credit card or prepaid card

When moving from XXXX to XXXX XXXX, XXXX XXXX XXXX did not follow a binding estimate and charged me an additional {$1200.00} after the truck was loaded. Because I felt in fear for my safety and the safety of my belongings ( the company had threatened to dump everything I owned out on the front lawn of my apartment complex or drive away with my things, never to be seen again ), I paid this extortion money with my Capital One credit card. 

I disputed the transaction with Capital One. XXXX XXXX XXXX provided the credit card authorization form I signed under duress and asked for the charge to be reapplied. I countered with multiple forms of documentation that what XXXX XXXX XXXX did was illegal, including where in the Code of Federal Regulations it says this. I also included a written statement from my mother that was there at the time I was extorted. Throughout my many calls and letters with Capital One, they routinely asked for a second opinion from another moving company showing that what they did was illegal. I uploaded more documentation on XX/XX/XXXX that stated I had contacted 10 different moving companies ( and provided their names and phone numbers ) and every single one said this was illegal and they wouldn't provide a second opinion letter. I filed a complaint with the New Jersey Attorney General 's Office of Consumer Affairs who forwarded my complaint to the Federal Motor Carrier Safety Administration who had jurisdiction and started investigating the extortion. 

Sometimes during my phone calls with Capital One, they said that they believed my case and that it was Visa that made the final decision. Each time I called Visa they said it was Capital One 's decision. Finally, on XX/XX/XXXX, a three-way call between Visa and Capital One had Capital One admit that it was them that made the final decision. Additionally, I was told that the reason they were closing my dispute case and reapplying the charge was because I had signed the credit card authorization form from XXXX XXXX XXXX agreeing to the additional charge. I countered that I did that only under extreme duress and that since what XXXX did was extortion, I should not have to pay.
Product: Credit card or prepaid card

Made purchase using discover credit card on  XXXX   XXXX     2017. Was  hockey stick {$290.00} try return store would n't take back so try call discover dispute transaction they advise me to send back qualified return guarantee.they have return guarantee in which send product to them they refund me money. I file return claim #  XXXX  in which pay {$50.00} ship back. Then denied my claim
Product: Credit reporting or other personal consumer reports

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. 

The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within XXXX days of receiving the necessary documentation from the consumer. 

Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within XXXX days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX 
If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Product: Debt collection

Credit Collection Services received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.
Product: Credit card

Not quite sure but somehow, my credit card account was changed from regular postal mail to paperless billing. Because I check my email rarely only when I expect email, I was not aware of the bill and was charged two months of late fees and interest. On XX/XX/XXXX, Citi finally sent me a postal notice saying that my account was past due and I quickly paid the balance of the charges once I received the letter on XX/XX/XXXX. I also figured out the issue and was able to stop electronic billing. However, because of that I had two months of late fees and finance charges. I was able to get the finance charges waived after speaking with the CSR, but could not get the late fee waived.
Product: Vehicle loan or lease

At end of my lease, rather than return the car to the BMW Dealership, I sold the car to a XXXX Dealership, from whom I was leasing a new car, for the total payoff amount due BMW Finance. I returned the plates to the DMV and cancelled insurance. 

The XXXX dealership contacted BMW Finance, which quoted them the payoff amount. The dealership wired the amount into the BMW Finance account -- which I have confirmed from both parties. 

Since then BMW Finance, however, has been harassing me.They state that because the XXXX dealership payoff was a couple of weeks past the end of lease date, BMW Finance has assigned approximately {$1200.00} in late fees. I have repeatedly informed BMW Finance that I no longer own the car and they should address underpayment, if any, with the dealership. As I see it, they entered into a contract with the dealership and accepted their payment. BMW Finance, however, says it shall hold me responsible for the dealership 's underpayment ( which is questionable ) and will continue to enter negative information on my credit report unless I pay it. They refuse to contact the new purchaser, the XXXX dealership. 

They have done so twice before. When there was a bank routing number mix-up for automatic payment, they first sent us an email acknowledging payment, then a follow up email indicating a bank issue to be resolved THE DAY AFTER THEY ISSUED A NEGATIVE REPORT TO THE CREDIT AGENCIES. I corrected the error immediately, but they refused to retract the negative report. This is spite of ten years of customer history. As a result, our otherwise good credit has been damaged materially. 

A quick perusal of XXXX and other reviews will reveal countless similar complaints about BMW Finance. They are seen as lacking good client service at best ; many reviews are much harsher..
Product: Credit card

In late XXXX or early XX/XX/2023, I discovered that a credit line charge of {$9200.00} was placed on my Home Depot charge account ( the account is managed by Citibank for Home Depot ) on XX/XX/2023 for what appears to be plumbing supplies. I called and the personnel at the bank were courteous and gladly offered to remove the charge and run their investigation in to the apparent fraud. This morning, XX/XX/2023, I received a one page letter that says, '' The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. '' I called and was requesting that they provide me details of how this was determined ; and they would not help. They said that if I mailed or faxed them a front and back copy of my driver 's license then they could possibly open another review of my claim. I personally think that these methods are not a proper level of security, both in terms of insecure handling the transport of this highly personal data, nor had they given me any valid security conscious reason to send in more private data when they could not give me any of their findings. They offered that they had signatures on the order for the transaction. I offered to meet at a local Citibank office and then we could compare the data and if needed they then could look at my license. They would not accept. I offered to meet on an online meeting to do the same and they would not accept. I also noticed that they do not use any form of multi-factor authentication when I login to their banking web site. They mentioned that the supplies were cited as for XXXX XXXX as the job description. I found a XXXX XXXX at a nearby XXXX MA address. I would like the CFPB to make Citibank be 100 % transparent and recognize that a fraud, possibly an inside employee scheme has happened here. 

Most importantly, I learned that Home Depot allows their customers to access credit from a card account they do not have with themselves, called the " Account Lookup Feature ''. This seems very risky and certainly invites fraud. The way they do this is the customer can supply a Social Security Number keyed into a key pad and the same with a drivers license belonging to the card holder and be allowed full access to purchase on that card account, such as in this case. Apparently this individual was allowed to use the account look up feature and supplied my SSN, but was incorrect on my drivers license. Why did the transaction then get approved? Also why would someone do this fraud on their own account? 

It's a terrible situation to be in. Please help. Thank you so very much in advance.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have hard inquiries not authorize by me : XXXX XXXX XXXX XXXX, which they didn't mention in terms that if I access new line of credit they will do a hard inquiries. 

XXXX XXXX XXXX, I don't recognize this hard inquiries
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment with the ongoing issues regarding fraudulent items on my credit report. Despite numerous attempts to resolve this matter, the fraudulent entries remain unaddressed. As a victim of identity theft, I have diligently provided all necessary documentation and followed the required procedures to dispute the fraudulent entries on my credit report. However, despite my compliance and persistence, these items continue to negatively impact my credit score and overall financial wellbeing. I kindly request that you could help investigate and remove the fraudulent items from my credit report immediately and provide a written confirmation once these items have been removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX  Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX