23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Im paying extra for 3 warranty {$3400.00} and gap insurance {$790.00} which is added in my car note and I cant use the warranty since us auto sales haven't paid XXXX the warranty company so they will not let me file a claim and now us auto sales is closed permanently.
Product: Money transfer, virtual currency, or money service

I transferred money to a scam account without knowing it was fraud. Bank of America refuses to take action and take care of their customer. This is the third complaint i have made and they refuse to do their job and give me my money back
Product: Bank account or service

Hello, On XXXX XXXX, I electronically transferred some money from my Wells Fargo Business account to my Wells Fargo Checking account via my web account. Just so you now, these are linked together online. The reason I made the transfer was to cover a subsequent electronic payment of estimated quarterly tax to the IRS the next day. 
When I logged in to my Wells Fargo accounts online, I discovered that my Checking account was in the red because there was insufficient fund in my Checking account. Payment went out to the IRS the next day as expected, however, money was not transferred from my Business account as I earlier requested online. So, I immediately went ahead to electronically transfer funds from my Business account to my Checking account in order to more than cover the shortfall. I then called Wells Fargo to alert them about this incident. After about 30 minutes on the phone, they confirmed that there was indeed a glitch on their system on XXXX XXXX and/or XXXX. When I asked them why they did not take steps to inform their customers about this, they said this information is only shared with customers who called in to complain. I was surprised by this statement. I further asked them to ensure I am not charged an overdraft fee as they typically do when there is insufficient fund in my Checking account, even if there is sufficient fund in the Business account. This is another issue I 've raised with them on a couple of occasions. However, they claimed I could not automatically link my Business account to the Checking account for overdraft purposes, despite the fact that I was the sole owner of my business and solely operate the Business account. They informed me that I would have to manually make transfers online whenever I expect a shortfall in the Checking account. Anyway, going by to my first issue, I found out on the XXXX of XXXX that I have indeed been charged an overdraft fee for insufficient fund in my Checking account on the XXXX of XXXX, despite the fact that this was entirely Wells Fargo 's fault. I am very inconvenienced by this and would like action taken to ensure this does not occur in future. Thank you for assistance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Certified dispute letters were mailed on XX/XX/year> and received by Transunion on XX/XX/year> Transunion claims the documents were not sent by me even though I provided proof of identity. They are purposely stalling my dispute investigation requests. I requested a verification of debt, Transunion did not provide this information. 
I am requesting what their method of verification used was and to provide all of my written requests as required by FCRA laws. See dispute letter attached.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CAPITAL ONE XXXX, CAPITAL ONE XXXX and CAPITAL ONE XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted three separate dispute letters to TransUnion regarding inaccurate and unverifiable accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), TransUnion is required to properly investigate and remove any unverified or incorrect information from my credit file. However, despite my repeated disputes, TransUnion has failed to comply with federal law and continues to report the following inaccurate accounts : XXXX. XXXX XXXX ( Credit Card ) Past Due : {$240.00} Issue : This account is reporting inaccurately and must be removed. 
XXXX. XXXX ( XXXX Account ) Balance Due : {$23000.00} Issue : This collection account is inaccurate and unverifiable. 
XXXX. XXXXXX/XX/XXXX ( Collection Account ) Balance Due : {$700.00} Issue : This account is incorrect and should not be reported. 

Despite my three previous dispute attempts, TransUnion has failed to properly investigate and remove these inaccurate and unverified accounts, which is a direct violation of the FCRA ( 15 U.S.C. 1681i ).
Product: Credit reporting or other personal consumer reports

What Happened : On XX/XX/XXXX, I sent a negotiable instrument in the amount of {$1500.00} to Discover Bank via registered mail ( Tracking Number : XXXX ). The payment was confirmed as delivered by the United States Postal Service ( XXXX ) on XX/XX/XXXX. Despite this confirmation, Discover Bank has failed to credit the negotiable instrument to my account. 

I have contacted Discover Banks customer service multiple times, providing them with the registered mail tracking number and proof of delivery. However, the representatives have repeatedly informed me that they have not received the payment and have refused to investigate the issue further. They have also declined my request to place the account into billing error status, as required under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ). 

Instead of addressing the issue, Discover Bank has suggested that I send additional payments. Furthermore, they are now attempting to mark my account as late, despite the fact that I made my payment on time and have proof of delivery. 

Violations of XXXX XXXX : XXXX. XXXX XXXX Billing Act ( XXXX XXXX. XXXX ) : Under the Fair Credit Billing Act, Discover Bank is required to investigate billing errors, including issues related to payments that have been sent but not credited. By refusing to investigate and suggesting that I make an additional payment instead, Discover may be in violation of the XXXX. 
The XXXX mandates that when a billing error is reported, the creditor must place the account in billing error status while the matter is investigated. Discover Banks refusal to do so is a violation of this requirement. 
XXXX. Truth in Lending Act ( Regulation Z, XXXX CFR Part XXXX ) : Regulation Z requires creditors to apply payments promptly and correctly. Discovers failure to credit my payment, despite proof of delivery, and their subsequent attempt to mark my account as late, may violate this regulation. 
XXXX. Unfair and Deceptive Practices ( XXXX XXXX. XXXX ) : The Federal Trade Commission XXXX prohibits unfair or deceptive acts or practices in or affecting commerce. By refusing to credit my payment, refusing to place my account into billing error status, and suggesting I make additional payments, Discover may be engaging in unfair practices. 
XXXX. Equal Credit Opportunity Act ( XXXX XXXX. XXXX ) : If Discover Banks refusal to credit my payment or place my account in billing error status is based on an arbitrary or discriminatory reason, this could potentially violate the Equal Credit Opportunity Act. 
XXXX. XXXX XXXX ( XXXX XXXX. XXXX ( b ) and XXXX CFR XXXX ) : By refusing to process the negotiable instrument, Discover Bank may be in violation of federal securities laws, specifically concerning fraudulent practices in connection with the purchase or sale of securities. Misrepresenting the status or value of the negotiable instrument, or refusing to credit it as payment, could constitute securities fraud under the XXXX XXXX XXXX of XXXX.
Product: Credit card

I have been actively requesting a refund for overpayment since XX/XX/year> of a refund over {$15000.00}. Bank of America has sent a total of {$1200.00} and still owes my company the remaining fund. I have been getting the run around, been put on hold for horrible amounts of time, and transferred so many times, I can't count. I was promised to receive the funds owed to me by XX/XX/year> and still have not received the remaining money owed to me. It should be illegal to hold funds owed when the overpayment has been acknowledged by XXXX Bank of America employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Skrill USA , Inc. decided to close my account on XX/XX/year>. In the communication, Skrill USA , Inc. stated, " The remaining balance of your account will soon be refunded. '' However, 8 months passed, despite countless effort I have put to contact and communicate with Skrill USA , Inc., and despite Skrill USA , Inc. customer care team repeatedly made the same statement, I'm not seeing any refund issued to me.
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.

Account name : US DEPT ED # XXXX  has 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 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 card or prepaid card

I was the second signer on a Care Credit Card through Synchrony Bank. account # XXXX .Account Balance was {$830.00}. I did make all the charges on it my Ex -significant other made most of the purchases. He told me he paid it off and I have a screen shot of the pay off from XXXX Credit report ( see attached ) I called Care Credit and they refuse to help me and transferred me to a Global Call center where they refuse to send me a copy of the Care Credit Statements. I tried to log in to the Care Credit account and it says the account was closed. Then I received a letter with Synchrony Bank & Care Credit on it that said my closed account was sold to XXXX XXXX XXXX XXXX ( see attached ). Then XXXX XXXX started harassing my mother & I with collection calls. I called XXXX and a very verbally abusive female yelled at me and said I owed the {$830.00} and she would make me a pay off deal to subtract {$170.00} dollars. 
She stated Care Credit sold the debt to their company. I told her about my XXXX  credit payoff and she said I was " wrong '' and XXXX will sue me for the {$830.00}. 

I believe Care Credit and XXXX  are in violation of the Fair Credit Act and Harassment of creditors and refusal to send my last Care Credit statements. 
Please help me resolve and prove the pay-off on XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. XXXX and Equafax added 2 hard inquiries that are not mine.

1. EQUAFAX corrected it but THEY are still reporting the 4 point drop these caused in my credit score! 

XXXX. XXXX is still showing them but thier is no contact info. 

XXXX. I can't reach XXXX XXXX XXXXXXXX XXXX NA says they don't have any record of this so they can't do anything. 

I have not applied for ANY kind of loan or insurance. 

I beleive this fraud might be from someone that I had incarcerated for stealing my car in XXXX. He was released XX/XX/XXXX, the night before these inquiries showed up. He has a background of fraud. Also, on XX/XX/XXXX he called my daughter and asked for my birthdate, claiming he wanted to send me a XXXX XXXX. Unfortunately he caught her off guard and she ignorantly gave it to him. It was shortly after she gave it to him that these 2 inquiries showed up. 

I have since frozen all my credit accounts and added fraud alerts to them all. 

Regardless, I haven't been able to get anywhere with XXXX at all. Equifax removed them but did not restore my credit points. Trying to contact these other 2 companies that caused all of this has been futile. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Although having these inquiries on the XXXX ( XXXX ) report are not currently affecting my score, they said they will if they are there more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.

Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.

Thank you Mr. CFPB for looking into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information in my credit report was submitted without my consent.
Product: Credit card

First. let me start by saying I am trying my best to remain loyal to Citibank and continue to use their credit cards. However, they are making it almost impossible for me to do. While on vacation in XXXX XXXX, XXXX XXXX I somehow lost my entire wallet and cellphone. After realizing I did n't have my cell phone or wallet I called Citibank to inform them that I had lost my wallet and cell phone. Upon calling Citibank to inform them on XXXX/XXXX/2015 that I had lost my wallet and cell phone and to also inform them that when I logged on to account I noticed several charges that was pending and I never authorized the charges. I had last used my card for the XXXX XXXX stay and a XXXX purchase in the amount of {$39.00}. I was never able to advise Citibank of this as I was only met with their notorious terrible, rude, and unprofessional customer service. All the representative kept telling me was the card was temporary blocked and unless I have the code that was sent to my phone their was n't anything Citibank could do for me. Are you serious? I just brought to your attention that not only am I vacation I have lost my wallet and cell phone and I just informed you that I noticed charges on my account that I did n't authorize. All you can tell me is unless I have some code there is n't anything you can do for me. That 's customer service? Yet Citibank claims to pride themselves on great customer service. The mere fact I informed Citibank that I noticed charges I did n't authorized should have been more then enough concern for them to at least close down the account and issue me a new card. I could have called them when I got home and gotten a replacement phone to address any issue about some code they where talking about. As a result of Citibank not taking such measures and claiming to have a concern about the so called security of my account I logged into my account today XXXX/XXXX/2015 and notice over XXXX new pending charges. I guess the temporary blocked was just that " Temporary ''. Not only did Citibank allow the new charges to go through, they allowed many charges to go through even after my credit limit was exceeded. I showed over XXXX charges at the same XXXX. That should have been another reason for them to close the account down until they could talk to me even if I had never contacted them.Why would Citibank allow any new charges on XX/XX/XXXX and XXXX/XXXX/2015 to go through after I just informed that I lost my wallet and cell phone. So now I have over XXXX fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX. Not once did Citibank do anything to prevent this from happening. Citibank is completely unbelievable. I just cant believe this even as I write this message.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

My credit report shows the following for this company : {$220.00} XXXX XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Open Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Late 120 Days Past Due Amount {$40.00} Highest Balance XXXX XXXX  Monthly Payment {$10.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Notice to Agent is notice to principal ; notice to principal is notice to agent. 
I have received a copy of my consumer reports and I notice you have furnished transactions as Late on my consumer report. A creditor can only treat a payment as Late when they meet all the requirements of

15 USC 1666b. 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. 
The account/s you { TransUnion, XXXX, XXXX } list with Late Payment : Creditor Name | Account Number | Late Payment Date | is inaccurate and incomplete. Delete the following Late Payments from my account. 
TransUnion 1. XXXX XXXX XXXX XXXX XXXX | Reported late 2. XXXX XXXX | XXXX | Reported late 3. XXXX XXXX | XXXX | Reported late 4. XXXX | XXXX | Reported late XXXX 1. XXXX XXXX | XXXX | Reported late 2. XXXX Bank XXXXXXXX | XXXX | Reported late 3. XXXX XXXX  XXXX XXXX | Reported late 4. XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX | Reported late XXXX 1 XXXX XXXX XXXX Bank XXXXXXXX XXXX | XXXX | Reported late 2. XXXX XXXXXXXX Bank  XXXX XXXX | XXXX | Reported late 3. XXXX Bank | XXXX | Reported late 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported late 5. XXXX XXXXXXXX Bank XXXX XXXX XXXX Reported late 6. XXXX  XXXX Bank | XXXX XXXX Reported late Yours truly, XXXX XXXX Attached : Copy of ID and Utility Bill
Product: Credit reporting

Equifax is reporting the wrong filing date on my Chapter XXXX Bankruptcy Case # XXXX. My report show I filed XXXX which is impossible because there is no such date. I filed XX/XX/XXXX which is over 7 years ago which means it should not be reporting on my credit report anymore. Equifax is still reporting this BK on my report with inaccurate Dates. Please ask them to report the correct date. 
Thank you XXXX XXXX
Product: Debt collection

XXXX XXXX was stolen from me company offer me a low minimum payment to replace XXXX XXXX but I'm currently homeless and struggling with today 's society I need with this to see what way we can fix this and get a better outcome knowing I don't want this debit to hurt my credit score knowing well that I had the phone stolen from me on the train and could completely track due to the battery draining and XXXX call the cops but they were not complying with me.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i made multiple phone calls to Transunion. the first 3 agents took my information and hung up on me. then XXXX refused to transfer my call to a supervisor. ive called XXXX more times since XXXX who was very rude and unprofessional. transunion is hiring customer service agents who do not follow FCRA guidelines on disputes over the phone. these agents are not qualified or informed that they are violating FCRA by refusing escalations and disputing unauthorized information. According to the FCRA un authorized inquires should be removed immediately. 2 unauthorized inquires from XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion is making up its own regulations not compliant with FCRA.
Product: Money transfer, virtual currency, or money service

XXXX XXXX from XXXX wanted me to transfer funds starting at the amount of XXXX XXXX to as much as {$350.00} which he claims would be deposited in my father debit account XXXX I remotely provided debit card information no pin number however they also have my debit card information I'm do have our XXXX XXXX XXXX codes
Product: Credit card

This account is invalid. AMERICAN EXPRESS needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX