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

Date : XX/XX/2022. 
Amount : {$160.00} The related company : Bank of America, XXXX XXXX Compant Actions that were taken by me : I paid my mobile service on XX/XX/XXXX. Due to some technical issue, I was duplicate charged. From my bank statement, there were two duplicate transactions. So I asked a refund for one of it. 

I called XXXX XXXX company several times. XXXX insisted they only got one of my payment and they have already refunded to me. XXXX asked me to call my bank, the Bank of America, to see if the money was still in BOA 's nonminate account. 

I called Bank of America. Bank of America insisted the money has gone to XXXX 's bank. Bank of America asked me to call XXXX. I also asked for a dispute for the transaction, but it was denied due to existing timeframeworks. 

I called XXXX again, XXXX asked me to call BOA. 
I called BOA again, BOA asked me to call XXXX. 
That's what is happenning now. 

I really want to know where is my money? Who stole it from my credit card? I paid my mobile service on time but XXXX said they didn't gey my money and stopped my service. I want my money back. But I even can not know whether it is in the Bank of America or it is in XXXX 's account. Both of them said they didn't get my money. I felt like I was a soccer being kicked around.
Product: Checking or savings account

I opened the account last month and because my SSI check wouldn't be sepsis until the XXXX they closed my account. They didn't even give the governed time to transfer my check to the new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion is unjustly preventing me from accessing my own credit file and is also blocking lenders from accessing my credit report. They have informed me that these restrictions will remain in place until I cease disputing inaccurate information on my credit report. 

This action by TransUnion directly infringes upon my legal right to dispute inaccurate information on my credit report. I have a right to challenge any errors and have them corrected. TransUnion 's refusal to allow me to access my credit report and their interference with lenders ' access to my report are causing me significant harm, including : Denial of Credit : I am unable to apply for loans or credit cards due to the lack of access to my credit report. 
Increased Interest Rates : If I am able to obtain credit, it may be at a higher interest rate due to the lack of accurate information.

Difficulty Renting or Buying a Home : Landlords and mortgage lenders may be unable to process my applications.

I have attempted to resolve this issue directly with TransUnion, but they have refused to lift the restrictions unless I withdraw my disputes. This is a clear violation of the FCRA, which protects my right to dispute inaccurate information.

I am requesting that the CFPB investigate this matter and take appropriate action to compel TransUnion to restore my access to my credit report and allow lenders to access it as well. I am also seeking compensation for any damages I have suffered as a result of TransUnion 's illegal actions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I responded to an ad selling XXXX XXXX tickets. I exchanged a few texts with the seller to make sure he was legitimate ( poor judgement call on my part ). He gave me his name, email, and sent me a photo of himself holding his driver 's license. We talked on the phone and he asked me to send him a payment of {$400.00} via Chase QuickPay XXXX, and then he would electronically transfer the tickets to me via XXXX. As soon as I sent the payment, the seller started acting suspicious and was not transferring the tickets right away ( we were still on the phone ). I went straight to my online Chase account to cancel the payment before the seller could accept it. The Chase website would not load correctly and I got an error message saying " This part of our website is not available right now. '' I tried multiple times to login but by the time I was finally able to get into my Chase QuickPay account, the seller had accepted the payment and then hung up the phone. Of course, the tickets never arrived and I was scammed. I tried calling him back but he blocked my phone number.

I immediately called Chase and was transferred to the claims department, and I told them my situation. In my bank statement, the transaction still showed as " pending, '' so I believed there was still time to stop the payment from completing. They said they will open up a claim and get back to me with a decision in a few days, but more or less told me that since I sent the payment and the seller accepted it, there was not much they could do. I then ran into a local Chase bank branch and told them what happened again. The branch manager called the claims department and essentially told me the same message. This all happened within 1.5 hours of getting off the phone with the scammer. One XX/XX/XXXX, I was told by Chase that my claim was deemed invalid.

I understand I made a poor judgement error. But I could've canceled the payment if the Chase website were working correctly, and I also believe Chase should have protections against this kind of fraud. I am now short {$400.00} and I just want my money back.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX XXXX XX/XX/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 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: Mortgage

On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}. 
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received. 
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank. 
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount. 
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony. 
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account name : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX HARD INQUIRY : XXXX XXXX XXXX XXXX HARD INQUIRY : RESIDENT VERIFY XXXX EXPERIAN INFORMATION SOLUTIONS INC credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file. 
I have disputed the above information with EXPERIAN INFORMATION SOLUTIONS INC This company has affirmed in writing to me that my disputes are FRIVOLOUS and that they will not research the dispute I request EXPERIAN INFORMATION SOLUTIONS INC supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 XXXXXXXX dated XXXX. 

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
Product: Credit card or prepaid card

I paid for a business mailer to be sent by XXXX services in early XXXX. This company claimed to have sent the mailer, but it was never delivered. There was no evidence that this order was ever actually fulfilled, and there are dozens of complaints saying this company is a scam online but operating under a different name. 

I filed a complaint with Chase that this was a fraudulent charge on XX/XX/XXXX. They rejected the complaint and said I needed to provide more information. 

I filed a second dispute on XX/XX/XXXX providing additional information that XXXX was fraudulently charging me for services that were never delivered. I also included evidence that the materials provided by XXXX were cropped and altered to obfuscate the fact that the order was never delivered. 

This second claim was also rejected without feedback by Chase. I then tried to contact the Chase dispute department on XX/XX/XXXX multiple times but was hung up on when I was told I'd be transferred to a supervisor. 

I believe that Chase is knowingly allowing XXXX to bill customers for undelivered or non-existent services, and when I pointed this out to them they said there was nothing they could do. I have been a loyal Chase customer for many years, have done tens of thousands of dollars in transactions with them, never missed a payment, and I have been very surprised at their lack of care.
Product: Payday loan, title loan, or personal loan

Capital one auto finance via its agents/ employer XXXX.I wrongfully repossession vehicle with out proper disclosures The Bureau of Consumer Financial Protection ( Bureau ) is issuing this Compliance Bulletin regarding repossession of vehicles, and the potential for violations of sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Acts ( Dodd-Frank Act ) prohibition on engaging in unfair, deceptive, or abusive acts or practices when repossessing vehicles. The Bureau intends to hold loan holders and servicers accountable for UDAAPs related to the repossession of consumers vehicles. 

Under the Dodd-Frank Act, all covered persons or service providers are prohibited from committingunfair, deceptive, orabusiveactsorpracticesinviolationoftheAct. Anactor practice is unfair when ( i ) it causes or is likely to cause substantial injury to consumers ; ( ii ) the injury is not reasonably avoidable by consumers ; and ( iii ) the injury is not outweighed by countervailing benefits to consumers or to competition.2 Whether an act or practice is deceptive is informed by decades of precedent involving Section 5 of the Federal Trade Commission Act.3 TheDodd-FrankActprohibitstwotypesofabusivepractices. First, materially interfering with the ability of a consumer to understand a term or condition of a product or serviceisabusive. Second, takingunreasonableadvantageofstatutorilyspecifiedmarket imbalances is abusive. Those market imbalances include ( 1 ) a consumers lack of understanding of the material risks, costs or conditions of a product or service, ( 2 ) a consum ers inability to protect their interests in selecting or using a product or service, or ( 3 ) a consumers reasonable reliance on a covered person to act in their interests.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies in these accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my XXXX XXXX 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit card

I am writing to file a formal complaint against the XXXX XXXX XXXX regarding deceptive advertising practices and the incorrect application of a promotional interest rate to my account. 

Details of the Incident : Purchase Information : Item : XXXX XXXX Purchase Date : XX/XX/XXXX Order ID : XXXX Purchase Amount : {$1700.00} Advertised Promotion : At the time of purchase, the XXXX XXXX XXXX was promoting 0 % financing for 18 months on XXXX products priced over {$990.00}. My purchase of {$1700.00} should have qualified for this offer. 
Issue Encountered : XX/XX/XXXX : Upon receiving my statement, I noticed that the 0 % promotional rate was not applied. I contacted customer service, and they assured me the promotion would be added to my account. 
XX/XX/XXXX : A promotion was applied ; however, it was for 12 months of 0 % financing instead of the advertised 18 months. 
XX/XX/XXXX : I contacted customer service again to address the discrepancy. They refused to correct the error, attributing the mistake to my oversight and denying any fault on their part. 

Impact : The incorrect application of the promotional period has caused financial strain, as I now have to pay off the balance sooner than anticipated. The primary reason for my purchase was the XXXX financing offer, which influenced my decision to proceed with the transaction. 

XXXX XXXX : I request that the XXXX XXXX XXXX honor the originally advertised XXXX 0 % financing promotion by adjusting my account accordingly. Additionally, I urge the CFPB to investigate their advertising and promotional practices to prevent similar issues for other consumers. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

These inquiries aren't associated with me, and I have no connection to the mentioned creditors. Please remove them from my credit report immediately.
Product: Debt collection

They continue to report that my loans are delinquent when I consolidated my loans and I am currently in school so I am not supposed to pay due to an in-school deferment. They refuse to remove item.
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Student loan

My account was taken over from Great Lakes Borrow Services by Nelnet after the government decided I didn't deserve any loan forgiveness. Nelnet decided that since my loans are XXXX different loans that I required XXXX loan dates which are XXXX days apart. I find that annoying and unnecessary so all that I want them to do is to make the due date the same on either the XXXX of the month or the XXXX of the month. They do not have an option on their site to let you request a new due date. So I emailed on XX/XX/XXXX. Then after not receiving any response for a month-I emailed again on XX/XX/XXXX. It has been nearly another month and I still have received XXXX response from this company. Why are they servicing my loan without any customer service? This is insane and ridiculous. My request isn't even that difficult. I feel bad for people that need something more in depth as I am sure they, too, are not being assisted.