23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Bank of america ofered to send me a transfer XXXX  XXXX XXXX  from my edd debit card because there was an issue with my replacement card. So in the mean time they offer the option to wire me some money from my account. So my edd card was debited {$2000.00} plus {$10.00} fees. I was provided with a confirmation number and when i try to pick up the money at XXXX XXXX XXXX they told me that the trsnsaction was cancel because bank of america never release the money to them. So i call bank of america N they said that XXXX XXXX XXXX cNcel the transaction. So i dont know whats going on but now bank of america its telling me that they waiting to gwt the money back from XXXX XXXXXXXX so they cab refund me the money. Its been 15 days and still havent receive my money. And they now telling me i have to wait 45 bususbes days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

Alleged moneys owed to several credit cards back from XX/XX/2005. BK filled.
Product: Checking or savings account

4 months ago I deposited my government check into my citizens account. They have illegally put it on hold for more than 90 days even though it cleared the same week and they were paid. I lost my apartment, I had to give up my dog and sell my car to make ends meet. Everytime I walk into the branch they tell me they cant do anything its corporate thats holding my funds and they have no phone number to reach them and corporate do as they please. There is no accountability or transparency at this institution. I believe I was profiled. My check cleared the same week they received it so I dont understand why they use these malicious practices on me. I am currently staying with a friend because of this whole ordeal. I just want my funds and card to be released and for this nightmare to end with Citizens bank.
Product: Debt collection

paul marketing is a collection agency and they are harrassing me. This debt isn't mines. Iam a XXXX please help
Product: Debt collection

National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.
Product: Credit reporting

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the case was successfully completed on XX/XX/XXXX. I have been disputing XXXX account on my Experian that were included in my bankruptcy and should have been remove XX/XX/XXXX and have not. On XX/XX/XXXX I called Experian and emailed them the banckrupty paperwork from the US Courts and the person I spoke with told me " we have to go by what the creditors say because they subscribe to our services ''. Basically they go by what the creditor says even if it is incorrect because they pay them. I explained to the person that the creditors are reporting incorrectly by changing the filed date so that the accounts can stay on my report for longer. The person at Experian then said that he would submit the claim. On XX/XX/XXXX I received paperwork that said they could not use the paperwork that I provided them and that the accounts will remain on my report until XX/XX/XXXX. The paperwork I provided them is from the US Courts and they could not update my status with official paperwork from the court system that clearly states when my bankruptcy was filed and closed. The actual public record from the bankruptcy has been deleted by the courts and the creditors continue to fraudulently report items on my report. The accounts I am referring to are : XXXX XXXX XXXX, XXXX XXXX partial acct # XXXX. This account was discharged through the bankruptcy. 
( 2 ) XXXX ( XXXX ) XXXX XXXX, XXXX XXXX The first account is reporting as if it was n't included in the bankruptcy and it is reporting late payments. It was included and discharged with the bankruptcy. The second XXXX ( XXXX ) account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Consumer Loan

I, XXXX, am a consumer who purchased from STATE FARM BANK ( SFB ) a refinanced vehicle loan with pay off protector or gap insurance. The Vehicle Loan Account Number is XXXX. This complaint is administrative and is filed with The CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) based on the rules and procedures that allow quasi-judicial ( or administrative ) review of disputes involving banks and its account-holders, etc. 
The facts are : Manager XXXX ( employee id ) or Manager XXXX whose employee identification is MLEK intends to not execute the pay-off protector connected my SFB vehicle loan ( acct # XXXX ) if the account goes more than [ 28 - 31 days ] without at least a minimum payment even where the car was reported to SFB as a " total loss " XX/XX/XXXX. And in so doing Mgr XXXX - would attempt to make me liable potentially for the remaining SFB Vehicle Loan balance of {$1900.00} plus. What makes this particular legal concern " extremely peculiar " is my personal bank account was unlawfully debited {$220.00}. plus on XX/XX/XXXX which leaves me without sufficient funds to make the final minimum payment plus on my XXXX LEXUS ES XXXX or minus any late fees. 
In closing, please issue this complaint against SFB tomorrow which is the last date for the minimum monthly payment. SFB phone is XXXX ) XXXX.
Product: Credit card or prepaid card

Hi, I have been regularly being charged {$2.00} interest on my Macys credit card from past 6 month. I paid all balance in XX/XX/XXXX to bring it to XXXX balance. They went ahead and charged another {$2.00} in XX/XX/XXXX. I called the customer service and reported why they charging me {$2.00} after I paid my balances on XX/XX/XXXX. They agreed to revert the {$2.00} charged on XX/XX/XXXX and they promised it will reflect on my account in 72 hours. I didn't see any account activity after 72 hours and I called them again to follow-up. They said that they will take care of this issue and I don't have to call back. I still see the {$2.00} on my XX/XX/XXXX statement and I called them today ( XX/XX/2019 ) to report the issue. They repeated same statement that they will revert the interest charge and asked me to check in 72 hours. I don't trust them anymore and Its been frustrating experience with macys.com/credit department. I faced the same issue last year with macys and after multiple follow-up calls they reverted the interest that I don't owe. Last year my credit score went low because of macys. I am looking for expert advice and some help here.
Product: Credit reporting

I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Need address and phone number updated please. 

Address XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Phone number XXXX
Product: Checking or savings account

I was being scammed by someone saying that they were the XXXX XXXX. They were threatening me and instructing me to deposit money into an account at Chase bank. In the amounts of {$90000.00} XX/XX/2022, {$220000.00} XX/XX/2022 and {$350000.00} XX/XX/2022. When I found out that the company was a scam, I alerted Chase of the fraud to hold the money and not disperse it. I have found out that Chase let a fraudulent company open a checking account with them and has been allowing them to run fraud through their bank. We have been trying to get them to put a hold on the {$350000.00} with help from my bank XXXX  No one from Chase will give me any updates on the money. I feel that chase did not do their fiduciary responsibility to protect me by opening up fake accounts.
Product: Credit card

I filed a XXXX claim through XXXX XXXX XXXX on my Best Buy Citi Bank Visa. The claim began XXXX XXXX XXXX. XXXX XXXX XXXX  processed 1 retroactive payment for the XX/XX/XXXX statement in the amount of XXXX. Then they processed a payment of XXXX on XX/XX/XXXX for the XX/XX/XXXX statement. They only processed 2 payments from XX/XX/XXXX through to XX/XX/XXXX although I was on XXXX through to XX/XX/XXXX and another statement printed on XX/XX/XXXX. They refuse to pay. I called XXXX XXXX XXXX multiple times from XX/XX/XXXX through XX/XX/XXXX. I've sent and resent documentation proving my date of leave. However they refuse to process a payment covering XX/XX/XXXX to XX/XX/XXXX. Also the additional credit card holders on my account have been removed from the XXXX XXXX XXXX coverage without my knowledge preventing me from processing other claims. My mother has been an additional card holder for approximately 4 years and my sister for approximately 2 years. I've previously processed claims on my mothers behalf within the last 4 years and as of XX/XX/XXXX XXXX XXXX XXXX is advising she is not covered. I escalated this back on XX/XX/XXXX and resent my documentation. I didn't receive a call back about the resolution on the matter or no additional payment was processed.
Product: Debt collection

we just have this debt, after our bankruptcy. and this was only c/o under our name. we are not responsible for these, they keep on sending these letter to us and made so stressful. we dont have to settle this. and that XXXX XXXX they sent letter to us that theyve been sold the vehicle. if they sold it, why do they have to collect on us. its our ex friend who owned it from them. but they relocated and theres no way to get in touch with them. we are victims only. please help us to stop collecting & charging us for debts that was not literally belongs to us. We are victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name is XXXX XXXXXXXX XXXX XXXX opened XXXX XXXX and closed on XX/XX/XXXX XXXX  balance owed is in the amount of XXXX 15 U.S.C 1681 section 602 A. States I have a 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 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: Mortgage

Ditech has served me with a summons for foreclosure on XX/XX/2016. I am fully aware that the Consumer Finance Protection Bureau requires 30 days notice before this is served. The notice should include that this is a possibility and give me options to prevent it. I have diligently read and kept every letter, and there is no notice. I have personally witnessed this happen, and then at trial, the Plaintiff/Bank miraculously has a letter dated at least 30 days before the summons was served. I am quite concerned that the same will occur in this instance. This has to stop somewhere.
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX i seen that XXXX Service reported a negative items ( LATE PAYMENT ) on my credit report. I wrote XXXX XXXX XXXX certified letters and got NO RESPONDS! on My XXXX letter was XX/XX/XXXX certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter was on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( my 3rd letter was on XX/XX/XXXX ) ( certified mail # XXXX XXXX XXXX XXXX XXXX XXXX On the XXXX report its reporting 100 % on time but showing late payment that is inaccurate! 15USC 1666b TIMING OF PAYMENT! A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.. 15 USC 1637B I never got a letter in the mail b4 or after the payment due date. SECTION 623 ( A ) ( 7 ) ANY FINANCIAL INSTITUTION THAT FURNISHES NEGATIVE INFORMATION TO A CONSUMER REPORTING AGENCY MUST PROVIDE NOTICE TO THE CONSUMER BEFORE OR WITHIN 30 DAYS OF FURNISHING SUCH NEGATIVE INFORMATION IN WRITING TO THE CONSUMER ITS A FCRA REQUIREMENT, SO WHY IS IT A LATE PAYMENT ON MY EXPERIAN, XXXX XXXX XXXX, ,MY RIGHTS TO PRIVACY HAS BEEN VIOLATED 15 USC 1681 ( A ) ( 4 ) BY XXXX AND BY XXXX, EXPERIAN XXXX XXXX XXXX! XXXX! REMOVE THIS LATE PAMENT!!! XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got this loan to payoff a couple of credit cards. They offered me a plan I could afford, supposedly reducing the cost of the total debt. It could not be more deceiving. It turned out the interest rate is 100 % a year, and worse than that, the amortization is extremely low, meaning that principal will not go down for a long long time. 
To give an idea, the total principal was {$5500.00}, taken in XX/XX/XXXX, and each installment is {$470.00}. By now I have already paid over {$7600.00} and the remaining balance of principal is {$4900.00} ( XX/XX/XXXX ). Moreover, to pay this off today, they demand {$6400.00}! 
This is outrageous and obviously against usury laws, a clear example of predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES  OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Product: Payday loan, title loan, or personal loan

I have tried to settle this with speedy cash but they do not give me options. They then send this email threatening a case against me and to press charges for 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
Product: Checking or savings account

Amex serve account locked with stimulus check. I called for 2 weeks and can't talk to anyone to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. REMOVE THE FRAUD ACCOUNTS ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

I suppose to be charged {$550.00}, but a merchant ( night club & karaoke ) charged me twice of {$550.00}. I filed a claim to my credit card company but they said they are unable to assist me in resolving my dispute since merchant provide a sales receipts. 
1. I did not see the receipt that night. 
2. I did not sign the credit card receipts and this is my signature ( credit card company knows this is not my signature, but they said it is not a matter ) 3. I was trying to resolve this dispute with merchant, but they have not responded. 
4. Cardmember services refuse to further assist me because VISA does not allow to investigate this case since merchant provide a receipt.
Product: Checking or savings account

Not a good area to discuss this on your site ... ..XXXX ... ... XXXX and XXXX are XXXX websites that are all crooked scams ... ibought a small freezer from XXXX  and then discovered that it is a fake scam site ... then idiscovered that all three sites are the same thing ... XXXX knows they are scam sites and allows them tocontinue ... ..they should have already shut them down ... ..XXXX  and XXXX need to be regulated by the gov ...
Product: Credit card

I had been paying my credit card as agreed with 100 % on time payments. I just found out my card was charged off. When I called they said that no other purchases had been made but they had charged me a fee and then subsequently late fees and interest. No statement was sent to my address on file at any time. I did not become aware that any payment was owed until a credit monitoring service notified me that my score was destroyed. CapitalOne charged off a completely good standing and inactive account without any purchases having been made. The amount charged off was 100 % fees and interest with no principal. No statement was ever sent to me. No collection call was ever made to me. I had not used the card and had absolutely no way to know this was happening.