23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank of America debited my account on XXXX XXXX for an annual service. The teller told me there was another person on my account. I cancelled the service the next day XXXX XXXX because I was the only account holder, and I have concern about their mistake.The person who closed my account refused to refund my payment, instead she told me to call the XXXX number which I did several times. TheXXXX refused to give me a reference number nor was I given a claim number initially. I was told to call the bank, the banking center said the person in charge was n't available. I got a letter from BOA where it stated there was NO transaction on XXXX XXXX for the amount of {$240.00}. I have supporting papers of payment, cancellation of service and their letter refusing to acknowledge they had debited my account of {$240.00}. I.tried to take care of this situation on XXXX XXXX, but all I got was being out on hold and being transferred from XXXX dept to another with long wait time in between while being put on hold. They might expect callers to be discouraged and hang up so they do n't have to fix their mistake by doing a refund. I filed a complaint with XXXX and the Bureau of Consumer Financial Protection so unwary customers wo n't get scammed this way.
Product: Debt or credit management

At XXXX on XX/XX/25 I attempted to pay a debt to XXXX XXXX XXXX for {$210.00}. My phone call was redirected to XXXX XXXX without me knowing initially. The man claimed he could bundle the XXXX and associates collection ( {$210.00} ), and the millennium financial group collection ( {$380.00} ) for the price of {$270.00}. Thinking this was a good deal, I accepted. He then proceeded to claim that I have XXXX hard inquires, and they usually charge {$80.00} a piece for each inquiry, but for {$790.00} he could get all of them off of my credit report. Intrigued by this service and the potential of boosting my credit history, I stated {$790.00} was too much. He then said we can break it down into 4 monthly installments at {$190.00} a piece and I accepted. A few hours later I googled XXXX XXXX only to find out XXXX of not XXXX of people have similar stories to mine. This is a fraudulent company intercepting phone calls, and taking peoples money making promises they can not keep. Since researching the company, Ive found that XXXX XXXX is not XXXX accredited. Ive also learned credit repair companies can not take money up front before they do any work on said persons credit history. This company DID. They took a total of {$470.00} from me. I have called trying to cancel my account and supposedly it is closed now. However, when discussing a refund the man I was on the phone with couldnt process it, and the person in charge of such matters would call me back. I havent received a phone call since ( all of that relates to several other individuals experiences with this company ). They make it virtually impossible to get a refund. At this point I just want my money back so that I can proceed to pay the actual collections i intended on paying. A simple google search on credit glory will tell you everything you need to know about this company.
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 : XXXX XXXX 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 XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I called BMW to dispute and ask why are they reporting my account with them as a settlement when the account was paid IN FULL! They admitted to doing the mistake back in XX/XX/XXXX and to allow 30 days to reflect correct status on account and it has not yet resolved!! They instructed me to dispute separately with credit bureaus. I have taken care of my credit for so long and this is unacceptable. They have made a mistake to report inaccurately and that has affected my XXXX score.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. XXXX XXXX XXXX : ACCOUNT XXXX XXXXXXXX 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 AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. TRANSUNION SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. XXXX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. TRANSUNION 75 %, XXXX 100 %, AND XXXX 80 %. AGAIN, FOR THE SAME ACCOUNT. I am writing to urgently dispute inaccuracies on my credit reports with TransUnion, XXXX, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

Today XX/XX/2021 A collections account from Fair Collections and Outsourcing Inc was added to my XXXX  credit report. This account is not mine and the fact that they just added an account to my credit report in itself is very alarming. I have no Knowledge of this account, I never received any letters or ledgers detailing that there is a debt owed from Fair collections and Outsourcing or the original creditor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After hearing of the XXXX breach, I tried to take corrective measures for protection. I went to the TransUnion website and attempted to call, multiple times I received a busy signal that hung up on me. I then followed some trails and found I could sign up online for Fraud Alert on my account ... so, I completed the forms to create the online account. After I completed this form process, the next webpage it took me was immediately back to the original page to begin the form process to create an account again. I entered all the same information and at the end it indicated I had an account already and to sign in. I entered my username & password, after pressing the LOGIN button it brought me back to the LOGIN page again ... again, I entered my info and it sent me to a page that was attempting to reset my password. I thought perhaps this would finalize my ability to have access to place a Fraud Alert ... it asked for all my personal information and then a security question that was not the question I selected in the signing up process ... 

This entire process has been complete XXXX, it 's vacuuming up all of my info as it refuses me access, I am being ran around into useless loops on its website as its call line continues to give me a busy signal and hang up on me. It should not be this difficult to place a Fraud Alert on my own credit report.
Product: Debt collection

Hello. I have been contacted by phone several times by Creditors Bureau USA for medical debt. I have spoken to my insurance company more than once about this and they do not see a claim from California XXXX XXXX. I looked up California XXXX XXXX and both my health insurance and myself have not been able to connect with them ( only endlessly put on hold or call disconnects ). I do not know what the services are. It is all very vague and I have yet to receive anything in the mail re : this supposed debt. 

Thank you.
Product: Mortgage

Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to XXXX and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I am not to be on the paperwork for this loan at all, JPMC AUTO  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and XXXX. This is against FCRA to alter the charge off date from the original charge off date over a year later.
Product: Credit reporting or other personal consumer reports

In Accordance with Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

1. Us dept of education XXXX : account number n/a Equifax : account number n/a 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 an 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 these following items of information
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting three late payments they claim were verified by creditor XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I find this hard to believe that a thorough investigation was conducted. Did they interview family members, my neighbors? What is the method used validate this information. Please show my written consent to share my consumer information. Do they have names, addresses, visited to validate this information? If this was completed please provide full details. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Other XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) Account # XXXX Date Opened : XXXX Balance XXXX Other CREDIT COLLECTION SERV ( Original Creditor : 06 XXXX XXXXXXXX XXXX ) Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX  Account # XXXX Date Opened : XXXX Balance XXXX Mobile XXXX XXXX Date Opened : XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries XXXX XXXX XXXX XXXX  date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I transferred {$200.00} on the WorldRemit app on XX/XX/2023. Due to technical glitches, the transaction was canceled. I was told by customer service that it would take nine business days for the refund to process, which never happened despite subsequent pleas ; it is XX/XX/XXXX today, and still no refund. Their customer service put me on a 30-minute hold, and the hold time kept increasing rather than decreasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : N/A 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 Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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: Mortgage

I applied for refinancing with Intercontinental Capital Group ( NMLS on XXXX XXXX. We have good credit ( XXXX ) and good equity in home. I approved the proposed estimated terms and we moved forward with an appraisal. We were sent an authorization to pay for the appraisal in an amount of {$780.00}. When I questioned the above average cost of the appraisal, they found an alternate service for {$450.00} within 1 day. 

Upon completion of the favorable appraisal ( XX/XX/XXXX ), the plan was altered to reflect a loss of a lender credit, higher interest rate and higher closing costs. We reluctantly agreed to the altered terms. On XX/XX/XXXX, I followed up on the status of the processing and was told that we should hear from someone by XX/XX/XXXX to advise if any more documentation is needed after underwriting reviews. I questioned the lengthy timeframe of the process and was advised that they were backed up. I also questioned if this would cause any rate-lock to be affected and was advised that it wouldn't. 

On XX/XX/XXXX, we received a random email reflecting yet another increase in closing costs, which would decrease our cash-out at closing ( cash-out refi ). At this point we had 2 months of waiting for this refinance with underwriting still not approved due to disorganization with the company. We had been reassigned to 3 different loan officers due to attrition with the company. 

After wasting over 2 months of our time with no sign of getting to a closing, we advised Intercontinental that we would not be moving forward with the refinance on XX/XX/XXXX. 
We requested that we be reimbursed for our expense of {$450.00} for the appraisal and received no further response from any company representatives.
Product: Credit reporting

I have a judgement on my experian credit report and I have no idea where it came from and I have stayed with my parents since XX/XX/2010.
Product: Credit card

This complaint is reference to Capital One account. Did not receive any letter or post card on the TCPA class action lawsuit. 
Requesting verification if the following phone calls, ( see attached Capital One calls ) if they would have been included in the past Capital One TCPA lawsuit and if they were why I never received notice.
Product: Credit reporting or other personal consumer reports

On my credit report there is a hard inquiry from XXXX on my credit report. I was a victim of the XXXX data breach identity theft and this hard inquiry should not be on my credit report.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company XXXX XXXX, lender reached out to us for re-financing in XX/XX/XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from XXXX XXXX ( XXXX XXXX ) subsequently. 
I requested XXXX XXXX to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XX/XX/XXXX with Mr. XXXX XXXX. 

XXXX XXXX XXXX XXXX  Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX Mr. XXXX XXXX refuses to remove my request of XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by XXXX XXXX in order to obtain VA re-financing. ( one day apart ) Mr. XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with XXXX XXXX  I am not the only consumer on whom XXXX XXXX used their predatory practices. 

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

I was contacted by my financial advisor at Raymond James, XXXX XXXX, about a new ESP ( savings account ) and wired XXXX to Raymond James and it was a scam. The wires left from XXXX to Raymond James. Two wires- one dated XXXX for XXXX and one dated XXXX for XXXX. The hackers were reading my emails and then sent from an almost identical email address ( I did not look at the " 1 '' number added before XXXX and they replied on XXXX behalf and on his assistant and fellow CFP- XXXX XXXX who is also with XXXX XXXX at Raymond James in XXXX XXXX . I actually went to XXXX and sat down with my banker ( who knows me ) and wired both wires to the wiring address and the XXXX banker did not confirm via a phone call - I had no idea that voice recognition is what most banks do but neither Raymond James or XXXX did either. I now have a detective in XXXX XXXX researching this and hoping to hear from the FBI but neither bank is willing to do anything and unless you have wiring fraud insurance there is no way to get my money back. I have a police report which is XXXX
Product: Checking or savings account

On XX/XX/year>, XXXX i received and email from my capital one bank account stating ( XXXX XXXX Were restricting your Capital One account ( s ) until we can verify your recent account activity. 



Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. 



If you have questions, please give us a call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Thanks for choosing Capital One. ) I have called over 7 times and emailed them asking for more information and how to get this resolved because I transfered over XXXX XXXX dollars and now I can not pay any of my bills or have any access to my account and no one is helping me except telling me its in a investigation but nothing else and no time frame on when i will hear more about it. Very unprofessional