23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XX/XX/year> I place a pickup order with XXXX XXXX for {$24.00}. That order contained a clump of hair. On XXXX XX/XX/year> I requested assistance from XXXX XXXX XXXX XXXX. XXXX acknowledged receipt of request. On XXXX XXXX they requested more time to respond. But they still haven't responded. So, on XXXX XX/XX/year> I filed a dispute with my credit card company. A couple days later I checked the status, and it stated more details were needed, but it didn't say what details were needed. On XXXX XX/XX/year> I asked the company what details were needed. They asked questions about the return. I stated that information was provided in the dispute filed on XXXX XX/XX/year>. I then repeated them to the company. They then said I had to create a document in XXXX XXXX to provide those details. But I don't have XXXX XXXX. Plus, the details were already provided XXXX. Why do I have to provide them for a XXXX  time? 

By asking for the same information to be provided XXXX times it proves that the company is not properly handling the dispute.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Consumer Address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX ) Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2400.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$910.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$710.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$680.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$560.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$460.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXXXXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$59.00}, XXXX  XXXX XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$0.00} Inquiries : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT BUREAU. 
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to Section 605A of the 15 U.S Code 1681C-1, I am entitled to a fair and accurate credit report. However, after reviewing my credit report, I have identified the following errors : Account name XXXX XXXX XXXX Account number XXXX Recent balance {$390.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$390.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$210.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$490.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$490.00} written off. 
{$490.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$22.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$22.00} written off. 
{$12.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$450.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$450.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. 
{$660.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account {$1100.00} past due as of XX/XX/XXXX. 

These errors are negatively impacting my credit score and ability to obtain credit on fair terms. I request that you investigate these inaccuracies and correct them promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a free copy of my credit report. Additionally, I request that you provide me with a written explanation of the actions you have taken to investigate and correct these errors. 

Please note that under Section 611 of the FCRA, you have 30 days from receipt of this dispute letter to investigate and respond to my dispute. If you are unable to complete the investigation within 30 days, please inform me of the delay and provide an estimated timeline for completion. 

Furthermore, under Section 605A of the FCRA, I request that you notify all other credit reporting agencies of my dispute and provide them with a copy of this letter. 

Thank you for your attention to this matter. 

Sincerely yours, XXXX XXXX XXXX
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson capitol spoke with someone on XX/XX/22 account was settled and should be removed XXXX agreed to remove account when opened up a new account on my credit report with XXXX without my consent spoke with someone on XX/XX/22 around XXXX am
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is Reporting Duplicate Acct on My Equifax report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from XXXX Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, XXXX sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. XXXX can find no evidence that XXXX XXXX was under bankruptcy protection during the time XXXX owned his account. Unfortunately, XXXX can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Department ATTACHMENTS XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 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. 

These inquiry was not authorized 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 XXXXXXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX FST Premier has all 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
Product: Vehicle loan or lease

On Saturday XX/XX/XXXX I paid {$460.00} via my XXXX bank account 's online bill pay option ; this payment was issued to BB & T for my auto loan. The funds were transmitted to BB & T via ACH/direct deposit/electronic transfer on Monday XX/XX/XXXX. The funds should have been credited to my loan balance as being received on TuesdayXX/XX/XXXX, however BB & T claims to never have received the payment. 

After I received several collection calls from BB & T with regard to this payment, and after I explained the issue to a different rep each time, I eventually obtained a fax number and was directed to send proof of the electronic payment so that BB & T could research the issue. I obtained this proof of payment from XXXX and faxed this support to BB & T, along with a brief explanation of the issue, on Thursday XX/XX/XXXX. 

I did not hear back from BB & T until the collection calls started again, approximately a week after I sent in my proof. At that time I spoke with a BB & T rep by the name of XXXX XXXX who advised me to send the proof of payment again, but to also send my bank statement showing the completed transaction was drafted from my bank account. I completed this action on Thursday XX/XX/XXXX by sending another fax of the requested documents, along with a more detailed letter outlining my complaint, facts of the matter, enclosures and my request for resolution. 

Today, XX/XX/XXXX, I called BB & T for a status update because my loan balance still does not reflect the missing payment as being received. After speaking with 3-5 different reps, I reached XXXX in the Collections Dept who advised me that recent notes on my account state that BB & T found my supports insufficient and that they now need a copy of the paid check. I explained to XXXX, as I had done in all of my prior contacts with BB & T, that the payment was electronically transmitted to BB & T and that there was no check copy, only the transmittal and trace information which is located on the proof of payment from XXXX. XXXX asked me to email her a copy of the supports I faxed on XX/XX/XXXX so that she could escalate this issue to the appropriate team. 

It has now been approximately 44 days since BB & T should have credited my loan balance with the {$460.00} payment, yet they still have not. I have provided them with supporting information three times now, counting my email this afternoon. I am sure BB & T has charged me additional interest during this time to punish me for this missing payment but this is a processing error on their end ( or on XXXX, however XXXX insists the transfer was completed since the transmittal and trace information is readily available ) and not mine.
Product: Credit card

In XX/XX/year>, I opened a new Bank of America credit card and arranged for a balance transfer. Despite being issued the card, it never arrived, and I did not authorize any charges to be made by myself or anyone else. Subsequently, Bank of America flagged suspicious activities, such as transactions at locations I have never visited. including several markets, delis, restaurants, multiple XXXX  stores and a rental car company in a city I have never visited. Additionally, three separate large purchases were made at three unique XXXX store locations while I have been an XXXX XXXX XXXX customer for as long as I have had a cell phone. The total fradualent charges add up to {$470000.00}. I have compiled extensive evidence that I was working, dining or otherwise in separate physical locations during these unauthorized charges, supported by timecards, reservation confirmations, credit card statements, photos, an XXXX XXXX XXXX phone bill, and XXXX receipts. I have shared these materials with Bank of America as they proceed with the review of my claim denial. I would be interested in submitting this documentation to the CFPB as well. 

When Bank of America alerted me to this suspicious activity in early XXXX and I filed claims, they were denied on the grounds that the charges were supposedly authorized through a pre-approved device like a phone or tablet. However, this claim is impossible as I never had possession of the card. Moreover, subsequent fraudulent toll charges related to the fradualent car rental ( which were retroactively applied to a replacement card ) were accepted as fraud, creating a contradictory decision process on the banks end. 

The mishandling of this issue has severely impacted my financial security and credit. I am requesting a full credit for the fraudulent charges and a reversal of any associated interest or late fees. I am deeply concerned about the lack of customer protection and the apparent vulnerabilities present for those trusting Bank of America with their financial security.
Product: Checking or savings account

Disputed charges to my debit account : {$39.00} from XXXX on XX/XX/XXXX {$39.00} from XXXX on XX/XX/XXXX The merchant XXXX XXXX XXXX is supposed to send three XXXX records every month as part of a subscription, however, after XX/XX/XXXX, they stopped sending me anything at all. I tried to reach out to customer service and was unable to, initially to ask why I had not received anything and subsequently to request a refund and tell them to cancel my account. This all took place in XXXX prior to the XX/XX/XXXX charge. 

After that charge, some basic internet searching revealed that the company is basically a scam in that they will not send you products, their customer service team is impossible to reach or does not exist, and it's impossible to cancel your account outside of putting a stop charge on them through your bank/credit company. 

Some of the modes I used to attempt to reach XXXX  to request a refund/cancelation : - Via telephone, as their website lists they can only cancel an account is via phone. However, I have called over 200 times within the hours listed on their website and have never had anyone answer. The call sends you to a voicemail box requesting that you leave a name and number but they do not call back. 
- Several emails, only twice received a response that was not helpful and did not respond to my questions or requests. Since them have received no response to any of my emails. 
- Private messaging on both XXXX and XXXX. 

Despite telling TCF bank all of this several times, over two so-called investigations after I submitted a dispute and the above info they have responded that they are " unable to recover your funds. If you wish to continue recovery efforts, you must work directly with the merchant who charged your account. '' I can not " work with '' a merchant who is scamming customers and has purposely made itself unreachable. 

Attached below please find the documents I sent to TCF in my dispute request, namely : 1. Email chain requesting refund and cancelation of subscription ; 2. Screenshot of XXXX direct messages requesting same ; 3. Screenshot of XXXX direct messages requesting same ; 4. XXXX XXXXerms of Services, including billing and cancelation policy ; 5. Screenshot of my XXXX account showing that the only shipment they ever sent me was one paid for by someone else as a gift, prior to the XXXX and XXXX charges to my account ( so no shipment of a product on either of the charges to my account ) ; 6. Screenshot of XXXX site indicating that subscription can only be canceled by phone ; 7. XXXX XXXX XXXX business profile for XXXX ; including XXXX investigation results detailing numerous complaints of customers not receiving products purchased and being unable to get in contact with XXXX to cancel or request refunds, as well as notation that XXXX has an " F '' grade ; and 8. Numerous reviews on XXXX  ( third party review platform ) indicating above detailed behavior.