23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I got married in the   XXXX   o f 2016 and  am in the process of updating my legal name. I am currently trying to update my name, loan, title, and registration information with or throu gh Volkswagen Credit and after 2 me ssages with their online portal  and 4  phone calls  with 3 different representatives ( 4+ hours o f phone time ) I have been unable to get clear information on how to update my legal name on my  title ( updated title information is required to get my registration updated in my state ). The first representative told me to wait until my car was paid off ( 2.5 years ) to up date my legal name and failed to give me name change paper work for my online portal and instead instructed me to send in my marriage certificate with out any accompanying paper work to update all my account information. I asked this first representative if this was the official process as it did n't seem sufficient to update my portal information and title/registration and I was assured it was fine. After I found my name was not updated correctly in the portal I called again, and my second representative, informed me there was official VW paper work for the process of name change for the online portal and title/registration. I was told I needed to fill out this new paper work, get it notarized, and then fax the paper work back in. When I asked if faxing the documents was sufficient considering a notary was required, I was assured this was would be fine. Two days later I received a call back from this second representative telling me I could n't fax the paper work it must be mailed. At which point I insisted someone must check the paper work I submitted via fax to make sure it was complete before I went through the trouble of sending in notarized documents. I was told she would call me back. She later emailed me blank forms that gave me no indication if my paper work was completed correctly. At which point I called back and spoke with a third representative. I spen t one mo re hour on the phone with the third representative where she was able to explain details of the paper work the second representative could not. Unfortunately, following many questions I had with the third representative I was still unable to clarify exactly what my next steps would be to finish the name change process for my title and/or registration.
Product: Money transfer, virtual currency, or money service

I opened my acct on XXXX. XXXX with Gemini it is a bitcoin acct. My acct is still pending. I would like my acct approved or denied. I deposited a total of {$500.00} and my money is simply in limbo.I contacted them several times regarding the status of my acct and i was sent a generic email wit no definitive answer. I am very disappointed and frustrated with there customer service, I would recommend them to no one
Product: Credit card

Hello, When l logged into my chase app l saw an offer that stated a new program " XXXX XXXX XXXX '' and that the first transaction was free. 

I walked thru the prompts for the bellow transaction. When l submitted, there was a fee. So first transaction is free was untrue. 
I called chase right after l signed up for the plan and they stated you can't cancel, but if l pay my statement balance, l shouldn't incurr any fees. I did just that and l checked my statement, and l incurred my first fee of XXXX and the plan is still showing up in full with the entire XXXX months outstanding. 

Basically, they always get you for the initial fee, even if you pay it off early. 

And they refuse to credit your account for this fee. If l had not clicked their false advertisement of fisrt transaction is free and paid my statement in full for this transaction, like l always do, l would not have paid XXXX on this transaction. I feel this to be a junk fee that the bank is getting creative on and it's false and misleading. 
I paid my statement in full in XX/XX/XXXX, and it won't come off of my statement until the next statement. 

I have better cards that pay XXXX % cash back, and l will use those. 

Description XXXX Status XXXX Remaining principal {$XXXX} Remaining payments XXXX Plan start date XX/XX/2024 Original principal {$XXXX} Total payments XXXX Monthly fee {$XXXX Monthly plan payment {$XXXXXXXX} This includes the monthly fee. 

" Once a XXXX Chase XXXX appears on your statement, you can pay it off early without any penalties by paying your full statement balance. If you want to pay it off before then, you can pay your current balance. If you pay off a plan early, you wont incur any future fees for that plan. ''
Product: Checking or savings account

On XX/XX/XXXX I was basically robbed non violently. 2 women picked me up walking against better judgment I went with them. While being intoxicated we stopped at gas station to buy XXXX. One woman came with me inside the store and must have seen me enter my pin. They then ditched me at gas station with my phone and wallet and went shopping with out my permission. I had no idea what they did I had no phone to call. Went to branch and they let my use the phone but with no ID couldn't look at my account. I told the claims representative upon original call to claims department. I filed a police report and faxed it to claims department. I even went to some vendorsi know i made purchases and explained my situation to them. After that there was no communication via email or standard mail. I would call frequently to check on status but I was told due to my attitude that they were not going to refund any money back to me. I explained I was upset with the situation and not at the person. I did however receive a letter stating that they were investigating and it would be closed on XX/XX/XXXX. Once again I heard nothing on email/notification about any message sent to me via their app. I called claims department and was told fraud was found and I'll be receiving notification. After I did not receive notification and called claims department again I was told my claims were denied and no deposits were being made. After that phone call I looked into my bank app and found messages sent to me XX/XX/XXXX dening my claims. I was not made aware of these messages through their app or via email. These claims were to be closed XX/XX/XXXX not XX/XX/XXXX. The fraudulent charges on XX/XX/XXXX were in the amount of {$1900.00}. I had another card stolen the same time and that bank refund funds to me with out issue. I also explained to claims department that the money was not technically mine but loan money from another bank to help with out of state moving expenses. The bank in question did nothing
Product: Debt collection

I received an email from XXXX XXXX that there was a new collections account from Paramount Recovery Systems asking did I recognize this lender. The company is reporting this information to XXXX and XXXX. I responded " no '' I have never had credit with this company. Upon filing a dispute with both credit bureaus, Paramount stated they purchased the alleged debt from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and requested information on the alleged original lender to no avail. Neither company can confirm the original company. I checked my old credit reports ; however, I do not see any of these companies nor did I see the approximate amount they are saying I owe which is {$3500.00}. If there is such a company, it is probably more than 10 years old and should be removed between 7-10 years of being on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Product: Debt collection

I got a call from these  XXXX , stating that they were looking for my EX who I do not speak to anymore about a debt he owes from his business dealings. They have threatened me to continue to harass me if I do not get my ex to call them. They have also contacted my daughter 's cell phone. I have made it clear that I can not help them, however the   XXXX    keeps harassing me. This should be illegal for him to threaten me over text messaging and to continue to call and text my phone.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I ask to validate my account. But they send me a billing statement. 

XXXX believe this debt is valid It has an open balance. 
This is an inaccurate reporting and it has to be removed off your my credit report Removed this immediately
Product: Credit reporting or other personal consumer reports

I won a civil case against National Credits Systems debtors in regards to an old apartment. These debts on my credit report state that the apartments won the cases when in fact I won. I have submitted the court docs and proven my case only to have the debt collectors sell my debt to another debt collector. Then I have to start the whole process over again. I cant get approved for any place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent To Sue XXXX XXXX of Midland Credit Management for Defamation of Character, Mental Anguish, and Emotional Distress, and Federally Protected Consumer Rights Violations under 15 USC 1692 and Fair Credit Reporting Act Violations under 15 USC 1681. 


Please see attached.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN XXXX, EQUIFAX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. ( CREDIT ACCEPTANCE ) ( WORLD FINANCE ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN EQUIFAX, XXXX, AND XXXX. ( CREDIT ACCEPTANCE ) ( SELF ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted BBVA Compass Bank after I noticed that several credit card accounts were open Fraudulently from XXXX XXXX XXXX   and the payments were being taken from my second checking account. I advised both banks the XXXX disputed amount had to have been a roommate that rented a room from me for about six months. After he recently moved out I noticed things in my dresser drawer were missing such as money, Identification, and Credit Cards from companies I did apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I SENT A LETTER OFF ON XX/XX/2022. HERE IS XXXX  TRACKING NUMBER XXXX. TO REMOVE PERSONAL INFORMATION THAT I DO NOT WANT ON MY CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT 15 USC 1681. I HAVE THE RIGHT TO PRIVACY. ALSO ACCORDING TO 15 USC 6802 NO FINAICAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE. INCORRECT PERSONAL INFORMATION : NAMES XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ADDRESSES XXXX XXXX XXXX XXXX, FL XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROCTECTED CONSUMER RIGHTS!!!
Product: Mortgage

I purchased my home in XXXX with a 1st and 2nd mortgage. Ocwen currently owns the servicing of both of my mortgages. My 1st mortgage was a XXXX Interest Only and now adjusts every 6 mos. My 2nd mortgage is a 30 due in 15 with an interest rate of XXXX %. Due to the housing market crash in XXXX, I was not able to refinance because I now owe more than my condo is worth. Since I pay my mortgage on time each month and not in default, I was told my 1st and 2nd mortgages could not be modified. Since I am not able to refinance due to my current value vs. what I owe and Ocwen is not willing to help, I am left in a situation to worry about the payment adjusting every month months, rates increasing and paying on a 2nd mortgage with high rate that will be due in 3 yrs,
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized inquiries and accounts on my consumer report, prompting me to file a report with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, equifax and XXXX for infringing upon my consumer rights by including these accounts in my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ XXXX / Experian XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information on my [ XXXX / Experian XXXX XXXX XXXX credit report : Dispute XXXX : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : The charge-off of an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute XXXX : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account # [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express first issued a credit for the dispute and then clawing it back the credit for IN BREACH of own policies. American Express must accept full responsibility for its dodging tactics and not timely passing of information to Merchant.

Point 1. American Express did not provide any information for that and the following behaviour : I have submitted a valid dispute on XXXX XXXX XXXX ( XXXX ) which was closed in under 24 hours without giving a chance to upload. I have called and opened a subsequent dispute XX/XX/XXXX XX/XX/XXXX. I have uploaded all supporting documentation XX/XX/2020 ( XXXX ) and re-uploaded XX/XX/XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ). AMEX REPRESENTATIVES ON THE PHONE CONFIRMED TO ME THAT THEY SEE DOCUMENTS UPLOADED ( I CALLED TO FOLLOW UP AFTER 24HOURS ), HOWEVER AMEX DISPUTES TEAM KEPT SENDING MESSAGES THAT THEY HAVE NOT RECEIVED ANY DOCUMENTS. The outcome of billing investigation was simply a dodging response that American Express not received documents. 

Point 2. I have been lied and misinformed by American Express representatives that the dispute is aged and therefore, closed. I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date XXXX XXXX XXXX  processed the Transaction ). The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. 

Point 3. The Merchant ( XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX is XXXX XXXX XXXX and under EC Regulation 261 it is illegal to withhold a full cash refund. The XXXX XXXX XXXX guidelines for COVID-19 situation were repeated in Communication Ref C ( 2020 ) 1830. It continues to be illegal to withhold any money as refund penalties for this forced cancellation. It was illegal to force customers to apply for vouchers only on the airline own website. I do not accept a meagre {$640.00} credit from the Merchant. The airline was unable to service the reservation altogether and was not possible to reach in XXXX XXXX  ( call centre closed, airport counters refusing to help ). The airline did not respond to several of my complaint tickets raised on their own website ( XXXX ).
Product: Checking or savings account

I have XXXX checking accounts with Bank of America, XXXX is my personal one I have had since XXXX and the other is a shared XXXX my mother added me to at the start of XXXX. Between the XXXX accounts, Bank of America charged me {$3700.00} in NSF & Overdraft fees during the XXXX calendar year, as well as {$7200.00} in " Other Service Fees '' most of which were " International Transaction Fees '' at a rate of 3 % for purchases of cryptocurrency using a debit card rather than ACH transfer to a cryptocurrency exchange. Interestingly not all banks seem to charge that fee at all for such purchases from the same exchanges, and also interesting is I get charged that fee even from Coinbase exchange purchases which is a domestic and publically traded California based business. I feel at the very least I deserve an award for accumulating so much in international transaction fees during a year my passport was expired and that I had never even left the state of California. There are clear reasons why using XXXX transfers creates much more risk with crypto purchases though which is why I avoided using that method to make those investment purchases and I can explain those reasons if you ask me to. I recently contacted Bank of America to complain about the more than {$10000.00} in fees they took from my accounts in XXXX, and they refunded me around {$370.00} to make up for it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {>= $1,000,000} XXXX XXXX  was wired by XXXX Bank to BANAMEX Bank that lacked critical information needed to direct it to my account at XXXX XXXX XXXX  in the United States. Since XX/XX/2023 BANAMEX Bank has held the funds and have not responded to request from the sending Bank XXXX XXXX  to return the funds in order to have Account Numbers and Address added to the wire and retransmitted to my account. BANAMEX has failed to respond to repeated attempts to return funds held by BANAMEX to XXXX.