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

I had written XXXX about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which XXXX XXXX fail to valid any evidence
Product: Vehicle loan or lease

When attempting to post additional payments to this account to reduce the amount of interest paid to Wells Fargo Dealer Services I was told that loan payments are always taken care of first. This includes interest to the loan that was not earned yet. Additionally it will not deter interest for the amount paid ahead until you are three payments ahead. 
I have called and spoken to Wells Fargo 's customer service department on more than one occasion including escalation to a supervisor and I was told that this is policy. 
I am including a screenshot of the web page that told me I had to pay three payments ahead before they start applying payments to principal only! 
Thank you for your help in this matter!
Product: Money transfer, virtual currency, or money service

We tried to initiate a wire transfer for almost {$35000.00} through Bank of America 's wire transfer service via their website. This was for a home closing in another state being wired to an attorney 's account. When we sent the wire we were given the option of sending today for a {$30.00} fee or next day for {$0.00} fee. We chose the next day as the money was not required until Friday. Just a few minutes later, our attorney 's office called letting us know they legally can not accept ACH money transfers. We did not authorize an ACH transfer and there was no information disclosed that choosing the next day would automatically change the wire to an ACH. We were told this only happens with Bank of America and they do this when the customer choose the " no fee '' option. Had we known this, we would have just done the same day wire. We have spend hours today in the branch, on the phone in and out of the branch, and can't get anyone to help us. We were told it could take up to 5-10 business days to get that money credited back to our account. We now have to go to another branch tomorrow and wire an additional almost {$35000.00} hoping not to overdraw our account. I asked to speak to their internal audit department and was told to just call back tomorrow and wait in the queue again for someone in the wire department. I was passes back and forth today from the wire to the ACH department before being the call was disconnected by Bank of America. My husband is a veteran and this is for a VA loan. I understand their online wire service in new and there still may be bugs, but disclosure about wire transfer options should be non-negotiable.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports.
Product: Debt collection

I got a letter from Radius Global Solutions LLC in XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX which I sent money to at XX/XX/XXXX and the debt was due on XX/XX/XXXX. Then they sent me another collections letter on XX/XX/XXXX for XXXX XXXX that is due XX/XX/XXXX for the same company XXXX XXXX which I have never gone through or used. After this I have looked into them and I am not the only one who has had been sent debt from them through XXXX XXXX. I have also canceled my cashiers check to them for XXXXXXXX XXXX  Thank you for your time have a nice day.
Product: Credit card or prepaid card

I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {$730.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {$150.00}. The last charge was again to XXXX for {$210.00}. 
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information. 

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.
Product: Credit card

SEARS claims I have a balance with them and never paid them therefore sending me to a ( without notifying me nor by mail, phone call, or e-mail ) collection agency on the balance that was not accurately or at all mine
Product: Credit reporting or other personal consumer reports

I have requested verification of these alleged inquiries numerous times. Publishing information on my credit consumer report without obtaining my written instructions is a violation of my rights per XXXX5 USC 1681 Section 604 A Section 2. I am FULLY AWARE OF MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. DELETE ALL ALLEGED AND INACCURATE INQUIRIES IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed, disputed online and called the 3 credit bureaus to update my report without success. When I try to call, I have only got through to Equifax. I sent paper letters with delivery confirmation and they are not showing up. I have disputed online and submitted proof. 

XXXX XXXX The creditor reported innacurately ; they corrected and offered a pay to delete. I paid and provided the bureau confirmation of payment that was cashed and showed delete agreement. This needs to be deleted. 

XXXX I disputed and have no clue what this is. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

XXXX XXXX disputed, don't know what this is, not my account. More than 30 days have passed and they have not provided me any contact information for the creditor. This needs to be deleted. 

I HAVE BEEN WORKING ON THIS FOR ALMOST A YEAR! THERE IS NO REASON I SHOULD HAVE THIS REPORTED NOT CORRECTLY. IT IS AFFECTING ME. PLEASE DELETE OR PROVIDE CONTACT INFORMATION FOR CREDITORS.
Product: Checking or savings account

on XX/XX/21 talked to the bank of America customer-responsive about my son 's account overdraft fees the lady call XXXX said she will take care of both XXXX dollars from my son 's account but after two weeks later I found out they didn't refund back to his account then I call again this time I talk to their supervisor XXXX she says they won't refund because the bank not responsible that I told them they promise she keeps saying no what a joke the bank XXXX  to me never keep their promise.
Product: Debt collection

I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.
Product: Checking or savings account

The scam sent me a text message on XX/XX/XXXX around XXXX XXXX  XXXX saying that I had an illegal package with XXXX that was alerted by the XXXX custom. And saying that I am wanted and will be arrested by the international police because my passport is used as an illegal bank account to conduct money laundering crime and now is under investigation and I can not tell anyone or they will involve in this crime and have to go to XXXX for investigation as well. They tell me to transfer {$150000.00} USD in total to XXXX 's court account for an investigation as a deposit to avoid being arrested through the XXXX XXXX immediately. So I believe in their words and thought sending the money can keep me safe and give the police time to conduct an investigation to prove that I am innocent. I borrowed money from my parents for {$55000.00} USD and my friend for {$21000.00} with my own money {$8000.00} USD in Chase Bank Account and {$8000.00} USD from XXXX XXXX  ATM summing up a total of {$92000.00} USD sending all the money through Chase bank on my savings account to three different bank accounts in XXXX XXXX with three different account name on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX separately. Chase bank tell me to send a secure message through their website and asked the wire research team at Chase bank to help me recall the transactions but never heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently ( XX/XX/2019 ) requested to XXXX XXXX XXXX XXXX credit card department to issue a new XXXX XXXX  card over the phone. It was immediately approved for a credit limit of {$3200.00}. 

However rather than having only 1 hard inquiry from XXXX  XXXX XXXX on XX/XX/2019, my Transunion  credit report shows 2 hard inquiries from XXXX  XXXX XXXX. 

In no circumstances, any person can have two hard inquiries from the same bank for the same type of card on the same day because if the card will be disapproved in the first request, it will be again disapproved in the second request whereas I have been issued credit card. Secondly, if the card will be approved on the first hard inquiry, there is no meaning for anyone to again immediately tell the customer service associate to launch another hard inquiry after approval of the card! Therefore I explained that there were not two hard inquiries.

Please remove the 2 hard inquiries and increase my credit score accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under CFR 102.11 a All the companies being reported on consumer 's account by XXXX, Equifax, XXXX as consumer account created in the total Sum Due over a {$1.00} terminates the account through Unearned finance charges and insurance premiums held for the benefit of the consumer for primary personal family House-hold purposes : and not for : commercial business transactions. Under 1026.4 Finance charge. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. Under 1026.18 Content of disclosures. Official interpretation of 18 ( c ) Itemization of Amount Financed Disclosure required. The creditor must inform the consumer, on segregated disclosure, a written itemization of the amount financed on request, Consumer In Fact request Itemization of Amount Financed on all accounts being reported. This written Request for : The following Companies companies, Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX being reported by : Equifax, XXXX, XXXX, to return to consumer the written itemization of all Finance Charges being reported on Consumers Credit Report. Under 15 USC 1611 whoever willfully and knowingly Give false or inaccurate information or who fails to disclose information he is required Shall be fined no more than {$5000.00} or 1 year in prison or both
Product: Payday loan, title loan, or personal loan

Have wrong information dont show correct address or dates this needs too be disputed off my record please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Product: Credit card or prepaid card

On XX/XX/2017 my husband entered the XXXX XXXX in XXXX XXXX. He paid {$410.00}, paid by credit card, to have 2 cabinet doors packed and shipped to a specialized cabinet repair facility in California. A stated value of {$400.00} was declared. Upon return, one of the doors was damaged. XXXX returned and picked up the damaged door for inspection, they then returned it to California without my authorization. To date, I still do not have my cabinet door. XXXX denied the claim for damage as they stated the box was a used box. At the time of purchase, I prepaid return shipping. At no point was it stated that a new box was needed. It is not in their company documents either. Given that the doors had a declared value of {$400.00} and that the packing charge was {$35.00}, my damages exceed the cost I am still owed a cabinet door. <P/>We reported this to our credit card company twice. Both reports were acknowledged, yet the charge was deemed valid -- even though we currently do not have the product for which we paid. They claimed to call us several times, but left no messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}, {$5000.00}, {$45000.00}, {$6500.00}, {$5000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$45000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX  XXXX with ACCT # XXXXXXXXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account.

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account.

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Checking or savings account

I called in today to get the address and telephone number and each employee that I spoke to was very rude and transferred me to the wrong department. Because they new was filing a complaint against them. I did not try to report the employee 's because they are only going to run me around and not get the correct department,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX.
Product: Credit card

Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES : 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: Credit reporting

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; XXXX ; Equifax or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Debt collection

On or around XX/XX/2022, I received mail from Portfolio Recovery Associates , LLC. In the envelope was a form that was quite disturbing to me. It included my name, address, and the advertisement of sale of an alleged debt. In response to that, I immediately notified XXXX, XXXX, and XXXX that I had been a victim of identity theft. I also sent Portfolio Recovery Associates , LLC a letter ( Certified Mail ) stating that I have been a victim of identity theft and stop furnishing on my consumer file or to validate the alleged debt. Portfolio Recovery Associates , LLC responded by sending me random billing cycle statements that I have no knowledge of. Also included, was a letter allegedly from XXXX XXXX saying Portfolio Recovery Associates , LLC now owns my alleged account. Portfolio Recovery Associates , LLC did not provide any valid proof that I owe them any alleged amount. In addition, Portfolio Recovery Associates , LLC, are in violation of several 15 U.S. Codes and I have notated them in order to receive monetary relief because my credit file is being suppressed by reason of this. I have provided several documents of proof to support my claim.
Product: Checking or savings account

On XX/XX/XXXX, while on vacation at XXXX XXXX XXXX, FL my wife attempted to make a reservation over online for a boat rental company called XXXX XXXX XXXX. She received a phone call from a guy claiming their website was experiencing technical difficulties and she could make the reservation over the phone. She made the reservation for what should have been a total of {$390.00}. Afterwards, we kept getting several charges from XXXX, which ended up totaling {$1000.00}. She called him back and he said that those charges would be refunded once we arrive. The next morning we arrived at the boat rental place, showed them the confirmation email we received and they told us that it wasn't from them and we had unfortunately been a victim of a scammer mirroring them. We immediately contacted SoFi to report this as a fraudulent charge and they told us that they would investigate. 24 hours later, they responded and told us this was a legitimate charge and the investigation was closed. We immediately requested that they reopen the investigation because this was absolutely a scammer. We sent them several documents, including the receipt for the legitimate company, which does not even come close to matching the company name from the fraudulent charges. It is now 2 months later and we still have no resolve to this situation. We ended up reserving the boat because our kids were upset as they were planning on spending the day on a boat at sea, the legitimate company ran the charge as shown on one of the attachments for {$490.00}.
Product: Student loan

I have reached out to Federal Student Aid on several occasions to have my PSLF payment counts reconsidered and corrected. My request has gone well beyond the 90 day processing window. According to the federal guidelines I should receive payment credit for the months of XXXX through XXXX of XXXX because I had been automatically placed on the SAVE repayment plan. I did not opt for this plan, so I was forced to be on it. Once the correction is made I will have 118 of my 120 payments required for PSLF. Then my plan is to buyback the last 2 months. However, the severe delay in processing my reconsideration has caused me mental anguish. 

My timeline is below : XX/XX/XXXX @ XXXX XXXX  EST I submitted my reconsideration request on XX/XX/XXXX. 

XX/XX/XXXX @ XXXXXXXX XXXX EST Called FSA to check on reconsideration for PSLF counts. 

XX/XX/XXXX @ XXXXXXXX XXXX EST Called FSA to check on reconsideration for PSLF counts. Was told that it was in the final stage of consideration and I should be notified by next week. 

XX/XX/XXXX Called FSA and spoke to XXXX to check on reconsideration request. She stated that my case has been escalated and is being worked now. She gave me the case number for this call as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership name XXXX XXXX XXXX XXXX XXXX XXXX they agreed to rum my credit XXXXne time when i left the dealership i found out the was running my credit behind my back alot of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$870.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX**Balance : {$0.00} XXXX Balance : {$0.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX***Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}