23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX requested for {$20000.00} to checking account and advance never received. I was also charged an {$800.00} fee. These charges are still on my account. For over a month BOA would not, or could not, say where the money was but eventually found out it was sent to wrong checking account number. I was told I had to contact XXXX XXXX Bank to see where the money was. I did and XXXX XXXX could not provide any info about a checking account number that was not mine and told me BOA had to figure this out. I placed many calls to BOA and they would not advance the call to someone who could help, or provide information on how to resolve. I followed the procedure on BOA 's web site to resolve errors for electronic transfers and sent information by certified mail. They state on their web site they will respond within 10 days of being notified. Today is XXXX and they were " notified '' ( first date they identified what happened and said they would work on it and refund money within 30 days ) on XXXX. They received the letter by certified mail on XXXX. To date there had been no response from BOA. Today I called BOA again to try to see if they are taking steps to resolve this issue and after XXXX minutes on hold was disconnected.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request Dear Sir or Madam : This is my third time stating that I am a victim of XXXX XXXX. I provided all the information but i received a letter saying the my information wasn't accepted, i am disappointed and outraged. The information listed below, which appears on my credit report, is the result of that XXXX 
Item ( s ) resulting from trafficking that should be blocked : 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are not validated and still are being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

On XXXX/XXXX/XXXX customer paid with Bank Of America Credit Card for repairs of a semi truck in the amount of {$3500.00}. On XXXX/XXXX/XXXX I was informed by my credit card processing company that there was a dispute in regards to the charge because customer was not satisfied with the service we provided and {$3500.00} was removed from my account. They also informed me the money is in the escrow account an till the issues is resolved. 
We were instructed to provide our statement and any documents proving our case. We provided detailed statement with every single receipt for all of the parts used in this repair. Along with the work authorization form. Shortly after money have been deposited back to my account at which point I expected the issue to be resolved. But today on XXXX/XXXX/XXXX this same amount was again removed from my account and when I called my credit card processing company they told me the Bank OF America ruled in favor of their customer and refunded the money. Bank of America never contacted me or provided me with any documentation regarding how and why this decision was made. We spent almost {$2000.00} on the part for this repair work.
Product: Debt collection

XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
Product: Credit card

I had an existing Master Card issued by USAA bank. Without any notice it was changed to a Visa card. They advised this was a " business decision ''. I currently have another visa card. I advised them I wished to close my account and was advised this could negatively impact my credit score by as much as XXXX points. This is wrong for USAA bank to do this and worse that my credit score would be impacted by cancelling a duplicitous card.
Product: Prepaid card

I had a cash app card that, I use to pay bills, online orders, send my kids money so, my fiance tried to send me money cause we both r truck drivers and if, I need money he will send it through cash app to me so cash app took upon themselves and blocked my card and as, I was trying to figure out why, you have no way to contact cash app no number no nothing the little text back XXXX they use send me a text saying, suspicious gambling from my card and, I was like you can see all my transactions what gambling so, I couldn't get another card for nothing yes money was on my card at that time they blocked my card
Product: Checking or savings account

Someone stole {$4200.00} out of my M & T bank account and the bank denied my claim. It started on XXXX XXXX leaving my bank account at {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  Bankruptcy XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX A ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX/XXXX XXXX XXXXXXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Product: Checking or savings account

Ive been a member of Wells Fargo since XXXX and Ive always noticed Wells Fargo would charge me twice for big transactions but then the next day the charges would change on the dates. For instance Friday I get paid I go out to eat and spend XXXX dollars they charge it that day. then in like 3 days they take my money again. This has happened multiple times and they always say the same thing that its pending and thats what it says on the bank account after they already charged me for it. Ive fought it many years ago.and it just keeps happening. If you could look into it I would appreciate it.
Product: Vehicle loan or lease

I had got a vehicle in out town Delaware, which the dealer was credit acceptance. I have purchased a vehicle in XX/XX/XXXX your contract was a little sketchy. They miss use my down payment by putting {$18000.00} that I put down for down payment knowing that I did not have XXXX I put down XXXX because of my credit score was XXXX at the time, when I XXXX XXXX to my second child, they came and repossessed my car because I was behind XXXXne month I stated to credit acceptance that was unlegally to repo someone car for a month! I wind up giving them XXXX to get my car. I had to go to XXXX New Jersey to pick my car up, They said I would have to keep up with the payments which the monthly payments with {$470.00} every month due to hard times, I had lose my job but continuing making payments here an there so they wont repossess my car again. They had my old address on the old contract which it was in XXXX New Jersey someway they wind up finding out about my new address which I never told them about the new address that I was at but still was making payments here and there yesterday they came while I was at work and repossessed the car without no email stating that my car was getting repossessed, I called the company. The company told me if I come up with {$700.00} that they will release the vehicle that I owe XXXX. I spoke to the company of last year that they agreement with me was to pay XXXX every XXXX week. My last XXXX payments of this year was in XX/XX/XXXX. This company has me in a fraudulent contract and was charge me with a high XXXX 18 % which the state of New Jersey doesnt have that high rate. They are being sued by the New York attorney for the fraudulent contacts they are putting their clients in.
Product: Mortgage

Freedom Mortage is refusing Automatic termination of PMI at 78 % LTV as required by Homeowners Protection Act ( HPA ) of XXXX ( Automatic Termination as required by USC Title 12, Section 4902 ( b ), and definition of : Termination Date as defined by USC Title 12, Section 4901, ( 18 ) ). Freedom Mortgage is incorrectly applying an investor guidelines as outlined in Consumer Financial Protection Bulletin XXXX, dated XXXX XXXX, XXXX, Section XXXX, on Automatic Termination, and specifically Page XXXX Section B applying to " Investor Guidelines ''. I am submitting a formal complaint and wish Freedom Mortgage to comply with Federal HPA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked because of a data breach, when I noticed the theft I did not know what to do about it until recently. I tried to resolve it with the Consumer Reporting Agencies but they said all I could do was to put a freeze on my account and put in a fraud alert. The following information on my consumer report is incorrect and was not authorized by me and would like it to be taken off of my consumer report. 

Fraudulent accounts : XXXXXXXX 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 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
Product: Debt collection

The following medical collection accounts are being listed on my credit report twice ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and need to be deleted as they were opened by someone who used my identity. XXXX and XXXX XXXX also have two closed credit card accounts that were opened under my name that need to be deleted as they were not opened by me. XXXX XXXX XXXX also needs to be deleted I previously sent you all ( EQUIFAX ) documents showing were that account was closed and dismissed in court. Please delete the account as I am no longer legally responsible for the account.
Product: Credit card or prepaid card

Citizen bank staff recommended me to apply for a credit card in XXXX.The application is rejected for the reason that Citizen bank doesn't grant credit cards to XXXX XXXX XXXX/ XXXX XXXX XXXX.

However, the bank did not specify such information before the application.In fact, in order to earn commission fee, the staff actually strongly recommended me to apply the card, even if she knows that credit card has never been granted to a XXXX XXXX.

Citizen bank failed to disclose crucial requirement for application therefore is subject to misuse of credit information. I'm filing this complaint to require Citizen bank to re-evaluate my application based on credit score, not my XXXX XXXX. 

My Citizen case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Three ( 3 ) different companies, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with same Account No. XXXX on the 3 consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 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. 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.

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
CONRAD CREDIT CORPORATION AND XXXX XXXX XXXX still reporting under 3 different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, CONRAD CREDIT CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.
Product: Vehicle loan or lease

Hi this company has already repossed my vehicle and i already filed a complaint. I am not sure why this company repossed my vehicle but issued me a check. They issued me a check XXXX in the amount of {$810.00} which included the deceased joint applicant. I was not able to cash the check i called Exeter finance and spoke with a supervisor which i explained that the joint applicant past away XX/XX/2022, he advised me they have received the death certificate. I advised can they resend the check just in my name he proceeds to tell me no i need to go to the court and become the executor, i advised i can not do that he has a wife, and she lives out the country. Like why make it hard you have the death certificate just resend the check in my name. I have never had a problem with this company while i was doing business until it came to the end that i was about to own the vehicle and they said i owed this whole lot of money. They where charging me interest every day how is that even legal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since the middle of 2021 to get an account created with myEquifax.com. I have been constantly on the phone with representatives and I get a different answer each time I speak with someone. I WANT MY ACCOUNT CREATED NOW!!!!! It has been repeatedly asked that I submit a Soc Sec Card and my Driver 's License to confirm my identity. I have submitted those items several times because I have disputed items on my credit report and the results are sent to me EVERYTIME! 

I am tired of the run around and when I asked to wait for anything, I am always hung up on. The low down scamming behavior that exhibits with these credit bureaus are insane. The more they scam us out of money, the more they get away with by just paying {$5.00} in a settlement fee! 

I will be contacting my LAWYERS and I will be compensated for the continued abuse of power from these agencies. 

I want my account created NOW and stop it with the excuses!
Product: Credit card

I purchased an airline tickets with return using this card to travel from XXXX to XXXX and back with XXXX XXXX XXXX The flight included a transfer through XXXX in both direction. The Airline company later informed me that they have cancelled the XXXX to XXXX and XXXX to XXXX section of the itinerary. They gave me option to ask for full refund or refund only for the XXXX party of the itinerary. I went on the indicated web site and cancelled the full itinerary. Despite this I did not receive any refund. 
I contacted the credit card company and informed them that I am due a refund because essential leg of itinerary has been cancelled and I requested full refund. The credit card company gave me temporary refund and subsequently asked for the proof of cancellation and term and conditions of travel. I sent them the proof of cancellation. They again gave me temporary refund. While I was traveling they sent a letter to my address and again asking for the same information that I have already provided them with. 
Because airline company cancelled the flight, and I provided proof of cancellation, there should be nothing to dispute, I should get the full refund. However credit card company is refusing refund on the pretex that I did not respond to the second letter on a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/XXXX XXXX Prior to XXXX, they were serviced by Fed Student Loan Servicing with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed Loan Servicing no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
XXXX states in a previous dispute that Fed Loan Servicing states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by XXXX it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on XXXX. 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 to be removed/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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

This is continuation of previous complaint ID XXXX SUBMITTED ON XX/XX/2024. XXXX XXXXXXXX ( part of Fiserv ) is holding funds over 90 days and not releasing funds. It has been more than 100 days since last processed transactions and over 90 days since the account was closed. Numerous attempts via customer service calls were made to release funds. XXXX  XXXX representatives are not calling back or respond to our numerous requests. $ XXXX in funds are being held without any reason. This company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX failed to comply with the rules under 15 U.S. Code ss 1681c-2 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 XXXX Business days after the date of receipt. 

I submitted an ftc report as well as a letter disputing the fraudulent items thats on my consumer report, as well as my id, bank statement, and utility bill. I demand that the following items are deleted and blocked immediately : EQUIFAX ( 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 XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. Equifax and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For Equifax, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.
Product: Debt collection

I recently noticed a false report to my credit file. After requesting my credit file, I noticed a negative inaccurate report on my credit file. The report states that I owe {$5800.00} to I.Q Data international Inc. located in XXXX Washington. On XX/XX/XXXX I sent a Debit Validation Letter to I.Q Data International Inc. and two other companies on my credit file. The other two companies have since then responded with a decision. As of XX/XX/XXXX, I.Q Data International Inc has not responded to my request. Furthermore, the amount of debt reported has since then increased from {$5800.00} to {$5900.00}. 

Enclosed are copies of receipt indicating the date I sent the letter demanding validation of debt and proof that the company received my request. 

Meanwhile the report is currently affecting my credit report. By the way this is the only negative report on my credit file.