23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My 3 credit cards were compromised on XXXX. Someone charged XXXX debit card for {$800.00}, XXXX XXXX credit card for {$950.00} and Bank of America credit card for {$250.00}. I immediately contacted all 3 banks and advised them that I didn't make those purchases and would like to dispute them. XXXX and XXXX XXXX have reimbursed me for above mentioned fraudulent transactions the same week ( please see attached statements from 2 banks ). BoA originally reimbursed me for {$250.00}, however on XXXX they pulled the funds out of my account and sent a letter stating they are holding me responsible for the charge. I requested a report with conclusion of their investigation because I wanted to know why I'm been held responsible for the transaction I didn't make. However, I only received a letter stating " we are unable to approve your fraud claim because our records indicate that when the merchandise was ordered, your billing address was verified and the merchandise was shipped to you address ''. As I later discovered {$250.00} purchase was made through XXXX. Vendor confirmed that electronic gift card was paid by my credit card and sent to my email XXXX. I never received this email, that's why I suspect that my XXXX  account was hacked. Looks like someone was able to obtain my name, address, phone #, email address & credit card # s through XXXX XXXX  that is linked to my XXXX. I called BoA and XXXX several times trying to resolve this issue. I spoke with XXXX ( supervisor at XXXX  ) and she said there was a charge-back to BoA on XXXX. She wasnt able to provide any written confirmation of returning funds to BoA due to security reasons. When I called BoA they denied taking the funds back from XXXX and upheld their decision of rejecting my fraud claim. 
I'm very frustrated with how BoA handled this matter. I notified them about this fraudulent transaction as soon as I discovered it while it was still pending. I filed a police report, FTC report and tried to settle it with vendor. At this point I dont know what else to do to get my money back. I paid the charge just because I dont want them to charge the interest on this transaction while it's still under dispute.I expect BoA to reimburse the funds just like XXXX and XXXX XXXX did.
Product: Debt collection

I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.
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. 


OPEN : Account Name : XXXX XXXXXXXX Account Number : XXXX CLOSED : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY 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: Money transfer, virtual currency, or money service

I initiated an international wire transfer of XXXX EUR from XXXX  U.S. based business to a business based in XXXX who is doing work for my company. Chase stated that the funds would be available by no more than 5 business days past the transfer 's initiation. The transfer was never submit, it spent days calling them trying to figure out what happened to my transfer only to get repeatedly told that the transfer is under review and the department reviewing it is either closed or just can talk to me. I was finally able to get a hold of a supervisor who informed that the country I was sending the funds to ( XXXX - where our family is based ) is now considered a high risk country and transfer was rejected. Never once did I receive any communication from Chase that it had been rejected. I also had been able to complete a wire transfer of {$30000.00} with no problem, less than three months earlier.
Product: Debt collection

F.H. Cann & Associates , Inc. is not reporting on my credit report. They are continuously calling me about this allege debt. According to 15 USC 1692g they are in violation because they never validate this debt. My name is not XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I am not sure who account this is but it is not my account and this is a fraud account. Any information that is not accurate can be disputed and it will not stand because of its inaccuracies. I am well aware of my rights and the laws. After carefully looking more into this I now can understand how my rights were violated many times. FHC is violating several laws by harassing me which is 15 USC 1692d, communication with while I am at work 15 USC 1692 ( B ) ( C ). Abusive practices which is a violation according to 15 USC 1692a. Calling me about this allege debt which is false and misleading which is a violation according to 15 usc 1692. F.H. Cann Associates is a violation of 15 USC 1692 f ( 1 ). I have attached my Affidavit of Truth, ID, and my invoice for violating my rights. F.H. Cann & Associates threaten me to call my job and garish my wages on an account that is fraud and not mines.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX. I HAVE INSURANCE ON MY JOB OF XXXX  YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/year> I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/22 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXk XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violatons. Warm Regards, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my abilty to obtain my credict
Product: Mortgage

Wells Fargo would not assist in modifying existing mortgage and I lost my house.
Product: Vehicle loan or lease

This account with Capital One Auto Finance have been on my report for 10 / years. Per law the account can only stay on your report for 7 years after they 1st date of the account being open.
Product: Debt collection

On XX/XX/2022 ; LVNV funding began to report a negative account to my credit reports for XXXX, XXXX and XXXX on Behalf of XXXX XXXX XXXX I have never opened any accounts with XXXX XXXX XXXX and do not acknowledge this debt and have never received any information regarding my right to dispute this information. I have attempted to dispute this information with XXXX and this company refuses to provide me with any documentation proving that this account belongs to me or their right to attempt to collect on this account. The above mentioned bank is in a state in which I do not reside and the lack of proof being verified as accurate with the credit bureau is puzzling. When I tried to contact XXXX XXXX XXXX, they do not seem to have record of this account and could not provide me any information and agreed to delete this account from my credit reports and I suggest that LVNV funding do the same by closing and removing this trade line from the credit bureaus with no changes to this account. I do not acknowledge this debt and if the creditor can not produce and signed documents that I agreed to any accounts with this company, then to stop harassing me and remove the account or further legal action will be taken against them.
Product: Payday loan, title loan, or personal loan

After I tried trading my vehicle after 2 faulty cars that should not of been allowed on the road I was done with caravan.. its been over a week and they have yet to pay off my XXXX XXXX car loan.. I have called every day and they keep giving me the run around. They have not even sent a check k out. I sold my XXXX XXXX XXXX to carvana and they have not paid my car loan off. They won't do anything but give me a run around
Product: Credit card

I was traveling in vacation and my debit card was stolen and was used this is consider fraud this is what i received Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$2900.00} XXXX XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you have any additional questions or need further assistance, feel free to contact us at any time.

Thanks, Chime Disputes Team
Product: Credit reporting

I have a about XXXX to XXXX things on my credit report that I do not believe belong there in 2013 my significant other was killed in a car crash the owner of the car did not have insurance now my late significant others medical bills are now in collection for me and I do not believe that I should be charged with these there is almost {$10000.00} also there is another report on my credit that is from Child Support that I have never had to pay child supportthere are about XXXX more reports on my credit I do not believe be long to me and I do not believe I should be hurt by them I am trying to buy a house and can not get financed because of the negative reports
Product: Debt collection

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

AARGON COLLECTION AGENCY XXXX
Product: Mortgage

On XXXX XXXX, 2016, XXXX XXXX, made it totally clear that the reason why Bayview Loan Servicing is going to deny me a permanent modification in 37 days unless I signed the permanent modification violating my rights to give up the right to a trial by jury for the past, present and continuous wrong that has been done to our mortgage by Bayview Loan Servicing and XXXX XXXX XXXX. I completed my three trial modification payments in XXXX 2016, and have continued to make the payments ahead of time for 5 months. XXXX XXXX kept accusing me of receiving permanent loan modification packages that I did n't get. I told XXXX XXXX that I called Bayview Loan Servicing on numerous occasions notifying them that I had n't received a permanent modification package. I also told XXXX XXXX that I notified Bayview Loan Servicing when the second package came wet unreadable and late. XXXX XXXX became aggressive and combative stating Bayview Loan Servicing had the right to dual track my loan. He also stated that Hamp ends on XXXX XXXX, 2016, and after that Bayview Loan Servicing was going to foreclose on my home. He made it totally clear Bayview Loan Servicing Management is upset because I exercised my rights and filed complaints with the Consumer Financial Protection Bureau. XXXX XXXX also made it clear that I had no rights concerning the permanent modification no matter if it did violate my rights. XXXX XXXX also indicated Bayview Loan Servicing Management and Supervisors had flagged my mortgage file for these types of aggressive attacks toward my mortgage account.. XXXX XXXX , of Bayview Loan Servicing LITERRALLY ATTACKED ME, BULLIED AND HARRASSED ME AND WAS ANGRY AND AGGRESSIVE BECAUSE AS HE STATED BAYVIEW LOAN SERVICING MANAGEMENT AND SUPERVISORS HAD GAVE HIM PERMISSION TO DO SO, and I would try to get my Attorney to look over documents tomorrow XXXX XXXX STATED SO WHAT PEOPLE DEAL WITH STUFF EVERYDAY AND SOME PEOPLE LIKE YOU DO N'T WANT ANY HELP AND INSTEAD OF FILING COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU YOU NEED TO SIGN THE PERMANENT MODIFICATION PACKAGE AND FORGET ABOUT YOUR XXXX ILL HUSBAND BECAUSE UNFORTUNATELY WHEN DEALING WITH A PERMANENT BAYVIEW LOAN SERVICING MODIFICATION THEIR IS NO HUMAN ELEMENT TO IT. Basically my interpretation of that statement is XXXX XXXX, Bayview Loan Servicing Supervisors and Management feel as if because they have flagged my account to foreclose anyway that they do n't have to treat me human that my rights, my families rights, the five months that I have been paying ahead of time on my mortgage loan do n't matter because I am not human to them. Bayview Loan Servicing wants to harass me into signing away my basic constitutional right to a trial by Jury so that they can foreclose on my home BECAUSE BAYVIEW LOAN SERVICING AS STATED BY THEIR EMPLOYEE XXXX XXXX DOES NOT SEE MY FAMILY AS BEING HUMAN. Because XXXX XXXX was on speaker my daughter recorded him because as she stated he was so mean to me. The file was too big for my daughter to up load the whole entire conversation so you have a partial conversation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with USAA Federal Savings Bank ( USAA ) that I paid off on XX/XX/2021. 

I am in the process of trying to get a mortgage to purchase a home so I requested XXXX update my credit report showing that this loan was paid off. XXXX opened an investigation which they closed on XX/XX/2021. XXXX  stated they contacted USAA and USAA certified that there was still an existing balance of {$18000.00} on that account and that all of the information was up to date. 

As part of the dispute process I provided XXXX proof that the account was paid off in it's entirety with a statement from USAA, the top of which states, " Congratulations! You've paid your loan in full. '' A cursory investigation by USAA would have shown that they account was paid off, but they failed to take any steps to correct this misinformation on my credit report in direct violation of the Fair Credit Report Act, 15 U.S.C. 1681s-2.
Product: Debt collection

CRA violation no knowledge of fraudulent accounts on my Equifax credit report. FTC ID Theft report # XXXX
Product: Checking or savings account

I opened a merchant dispute on XX/XX/XXXX with my bank, under the case XXXX, on the same day I sent the order receipt and letter explaining the situation, that the merchandize was never delivered and also the merchant never answered my calls and emails. 
Today XX/XX/XXXX, I got an email saying my claim was denied. 
I dont now if the bank took care about the information I sent to the bank, but the bank closed the case without rquesting more information from them and also didnt provide a tracking number from the merchant or a delivery confirmation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud one their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I opted out of the sharing of my non public personal information to non affiliated third parties ( XXXX, XXXX, XXXX and all other consumer reporting agencies ) under the GRAMM LEACH BLILEY ACT 15 USC 6802. TOYOTA has ignored and did not comply with my request. I have proof of the letter I mailed to them attached below and the certified mail number with proof of Delivery. It's been over 30 days since delivery. I'm writing this complaint so that they can comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus is reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % correct or the information must be removed. Correct this reporting by making a revision of the information provided. Change and proceed with any corrections or eliminate this from my personal file.
Product: Credit reporting or other personal consumer reports

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made XXXX  payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Product: Mortgage

I purchased my home through Cross Country Mortgage in XX/XX/2023. Loan process went as expected. 2 months after purchase I decided to do a refincnace. When my existing Loan was established we put XXXX into a replenishment / buydown account that would apply a specific amount from said account towards our monthly payment. At time of closing I signed a schedule and agreement that these funds were to be applied monthly over the next 24 months. Said document ( Buydown Agreement ) clearly states that upon paying mtg in full the balance of these funds is to be applied to my principal balance. Should any funds be left over they would be refunded back to me. That brings me to today which marks 34 days since my loan has been paid off in full. They did not allow netting of the escrow and subsidy/buydown account as stated in agreement. They have decided to hold these funds and as of yesterday the XXXX of XXXX I was told that these funds will not be refunded back to me. When I askd who they would be refunded too, XXXX ( supervisor ) said they would be refunded to the seller who sold me my home. I tried to explain she was not understanding and was infact correct. She began to yell and argue and talk over me to the point that I was forced to hang up. I then reached out to the Regional Manager who also works with Cross Country Mtg ( XXXX XXXX XXXX and he as well was at a loss for words on what I was being told. He conveyed he would look into it and asked me to forward him all emails and corispondence I had. I then proceeded to call Cross Country Mortgage again and ask for another supervisor., This time I spoke with XXXX who completely agreed with me that these funds are due back to me and said she would escalate my issue. This will be the 5th time an escalation was requested and nothing has happended. Currently I am owed roughly XXXX dollars that Cross Country Mtg refuses to release to me, and has conveyed flat out they have no plans too. 

Attached is Buydown Agreement signed at closing and notaarized. Also the only communication from Cross Country Mtg stating the funds existed and amounts and when they would be released back to me. None of which have been carried out as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX   XXXX , MD XXXX ( XXXX ) XXXX Made by : XXXX XXXX XXXX XXXX  XXXX , MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX  ) Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. 

XXXX XXXX