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

SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.
Product: Credit card

My statement balance due for payment on XX/XX/year> was for {$2900.00}. Payment was mailed as a certified check in the amount of {$2900.00} for payment from my attorney. This payment was available for pick up on XX/XX/XXXX from the address on the payment slip. I was issued a refund check on XX/XX/year> and received a XXXX balance letter dated XX/XX/year>. On XX/XX/XXXX they produced a statement showing my credit as a charge and a new balance of {$50.00}. Once my credit was updated and I saw they reflected on this account with a balance. I called on XX/XX/XXXX asking for management to rectify the issue and get the account back to zero as documented. The representative said management stated this would need to be paid. She waived the {$9.00} processing fee to make the payment by debit card over the phone and took my payment for {$50.00} on XX/XX/year>. As I mentioned to the representative on the phone, I am unaware where this form of transaction process is legal. I paid it to be rid of this company ; however, I would like this looked into for other customers and if my funds can be reimbursed, I would also appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX  credit card with a balance of XXXX $ was opened in my named I have filed with federal government XXXX has not responded and to phone call nor will they provide any information XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXXXXXX XXXX  XXXX XXXX : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with CREDIT COLLECTION SERVICES. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces Trans Union, XXXX, and XXXX to legally validate said debts or delete them  IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX  -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested )
Product: Credit card

Overview : A hotel overcharged me in a foreign currency. They later reimbursed me, but due to the change in the exchange rate I ended up paying more. 

Details : Recently I booked a hotel online via the hotel 's site. The hotel accidentally overcharged me. The agreed upon cost was XXXX, they charged my credit card XXXX XXXX ( they misplaced a decimal ). My credit card converted this charged in to USD, so this amount ended up being about {$4900.00} USD. 

The hotel acknowledged their mistake and reimbursed me for the overcharge in XXXX ( XXXX XXXX ). They credited my card {$4300.00} USD. 

If the hotel had charged me the correct amount to begin with, the charge on my credit card would have been {$490.00} XXXX. Because of a change in the conversion rate, I am now paying about $ XXXXUSD ( {$94.00} more than I would have if they had not made this mistake ). 

The hotel mistakenly charged me XXXX times the agreed upon amount. Chase is saying that as the consumer, I am responsible for paying the conversion rate difference. I should not be held responsible for the mistake of the merchant.
Product: Credit card or prepaid card

On XX/XX/XXXX, I scheduled a procedure with XXXXXXXX XXXX  in which I paid a deposits/partial payment of {$550.00}, {$280.00} of which was charged on my Capital One Platinum Mastercard credit card. The balance was charged to my XXXX XXXX credit card. I was never given any contract or agreement until after the deposit was made and a link was provided on the invoice of receipt for the terms of patient. This agreement outlined fees and the non refundable policy. It was never made aware to me at any time before I paid my deposit this was considered a booking fee and was non refundable. I was told this was a deposit and would be put toward the cost of XXXX. I complied with all XXXX XXXXXXXX requirements in a timely manner and stayed in communication with XXXX XXXX. On XX/XX/XXXX, XXXXAfter receiving all pertinent documents and clearances, XXXX canceled my XXXX and I was informed I would charged a rescheduling fee for XXXX XXXXXXXX. This is common practice with XXXX XXXX for I learned they have over XXXXXXXX XXXX XXXX XXXX complaints very similar in nature to mine. I have filed a complaint with XXXX and FTC. I contacted Capital One and XXXX to file a dispute for the charges. I provided over XXXX pages of emails and other documents to Capital One supporting my claim. XXXX granted the dispute and credited my credit card for the partial deposit I paid. Capital One has denied my claim 3 times even after I provided additional documents they requested. I have included all relevant documents with XXXX XXXX and Capital One.
Product: Credit card

I was given promotional 0 % rates with deferred interest if paid within 6 months on multiple purchases with PayPal Credit. An amount of {$810.00} needed to be paid by XXXX XXXX, 2016 to avoid the deferred interest of {$120.00}. Unfortunately I became quite sick XX/XX/XXXX and made the mistake of not making the payment due on XXXX XXXX to avoid the deferred interest. I made the payment of {$810.00} XXXX XXXX, 2016 when I realized I had forgot to ma me the payment. I check the most recent statement and notice they had charged me the {$120.00} in deferred interest. I called and spoke to a supervisor and they informed me that if I faxed a request to reverse the deferred interest to their corporate center, they would consider doing so. I faxed a request to reverse the deferred interest on XXXX XXXX, 2016 for which I received an email on XXXX XXXX 2016 acknowledging the receipt of said fax at XXXX, and then another email that morning at XXXX on XXXX XXXX, 2016 indicating " The fee waiver request that was submitted has been completed. '' this email did not include the decision and based on the sentence above it seemed as the request was approved. I waited 48 hours to check my account and see if the reversal had been process and to this day, XXXX XXXX, 2016 it was not. I proceeded to call and speak to another supervisor on XXXX XXXX, 2016 and explained how the email was confusing and they informed me that my request was not approved. I explained how could I know what the status of the request was as I was not emailed, mailed or received a phone call. 

I have an impeccable history with PayPal credit, never missing a single payment and paying off every promotional rate purchases when they are do, so I feel they are exerting and undue burden upon me, especially since I immediately made the payment in full when I realized my error. I feel these are predatory lending techniques, not giving any consideration to an exception, considering the circumstances, and it 's amazing they would rather have {$120.00} than keep my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Item : Account listed as : NAVY FCU [ XXXX ] on the XXXX Credit report has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations. 


I contacted XXXX via letter on multiple occasions about beginning on the date of XX/XX/2022. I have attached some copies of some of my letters.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX
Product: Debt collection

COLLECTOR ONCE AGAIN VIOLATING ALL ONSUMER PROTECTION LAWS, ESPECIALLY : " THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''. TITLE X FOR LAST TIME. WE ARE PREPAING CLASS ACTION EFFORTS SHOULD YOU FAIL TP PAY US {$100.00}, XXXX IN DAMAGES TO XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX XXXX, XXXX XXXX AND XXXX XXXX   WITH IN 10 DAYS.
Product: Mortgage

As of XX/XX/18 I am writing to get help about Carrington Mortgage company sending threatening letters of foreclosure when I have all of my receipts. My attorney has called and we spoke to them on conference. Yet they are still sending threatening letters of foreclosure. I am writing to you to contact them to resolve this issue as I am going to speak with a judge to assist. They have breached their contract and this must stop today.
Product: Bank account or service

I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.
Product: Money transfer, virtual currency, or money service

I'm a guitar XXXX, and I needed a quality case for a vintage acoustic I had recently purchased. I placed a want ad on an internet guitar forum that I often frequent, buy & sell, and am well known from years of participation. I received a response on XX/XX/2012. The scammer presented four very nice pictures of a case that would work quite well. His pricing, including shipping, was at market value, so there were no red flags raised at this point. I responded that I would like to buy it and please send me your XXXX XXXX He responded that he preferred to be paid by XXXX. 

I had only received money from family members using XXXX and really didn't know how to even use it. He said he would walk me through it and provided an e-mail address ( XXXX ) to which I should send the money. My first red flag was the email address he had contacted me from which is different than the aforementioned e-mail. It is XXXX. I had never seen that e-mail provider before, so I did a XXXX  search. 

The XXXX  search told me that it was a legitimate e-mail servicer, but something else came up in the search : a warning from another on-line forum member that XXXX had scammed him. So, I wrote him again and asked a lot of questions. He said he was in XXXX The XXXX is based in XXXX, so that made sense. I told him I needed a tracking number, and he said he was going to take care of all of it after work. Seeing it was early in the morning, that seemed like a reasonable thing to say. 

Of course, after all of this he has gone completely silent. But, I suspected a scam early that morning, and here is where the big problem comes in as far as I'm concerned. My bank, Truist was recently formed by a merger between Sun Trust and BB & T. I had been a Sun Trust customer since their inception, and they always had superior cusomer service. On my bank account, it said this transaction was still pending. But, when I called customer service, I had a 30 minute wait and ended up speaking with a woman from the XXXX who I couldn't understand. I requested she connect me with an English speaking rep, and she transferred me to the same place I had started from when I got this lady. After holding for over half an hour, I gave up and went to the bank. 

Here I got an even bigger surprise. I had done business with the rep I spoke to many times over the years. She was apologetic about the poor customer service, but said there was nothing she could do as this was a result of the merger. She told me to go home and go on my on-line banking to file a fraud claim. I am convinced that I would have received adequate customer service, we could have stopped this transaction while it was still pending. That's where my bank failed me miserably.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Checking or savings account

Bank of America closed my online account access and every time I call and verify my information, they tell me to step inside of a branch to fix my online account XXXX XXXX & I cant do this because Im not in a state with a BofA Branch. My account has been negative and I cant even bring it positive because they wont allow me access into my bank account. This is the 2nd time this has happened to its this Bank in Specific.
Product: Credit reporting

My XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. XXXX XXXX was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of XXXX mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by XXXX USA staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX