23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. 

XX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. 

XXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. 

XX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. 

XX/XX/XXXX sends a letter stating they " confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, " If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. 

I have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. 

I would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.
Product: Checking or savings account

Beyond delayed transactions, paying out out of order, change debit card info giving it to XXXX parties. Over drafts fees. Not seeing my funds and credit my account so I can use my money and pay very important bills.
Product: Vehicle loan or lease

This is the letter I sent them. " I am writing you with clean hands and in good faith. I am reaching out to you on behalf of the principal XXXX XXXX XXXX XXXX. I am accepting all rights and interest equity owed to XXXX XXXX XXXX XXXX. I revoke all previous power of attorneys expressed implied otherwise. The principal applied for Credit on XX/XX/2024 app Id XXXX and was denied. Regardless of the reason for the denial the principal has the right to credits. With holding the principals access to securities is securities fraud. NAVY FEDERAL FINANCIAL GROUP/ NAVY FEDERAL CREDIT UNION is violating the Equal Credit Opportunity Act, TILA, and Consumer Credit Protection Act. Since you are denying the principal access to credit, Ive asked the lending/underwriting team to retract the application, violating the rights again they told me no the application cant be retracted. I want to reserve all rights here, if the application cant be retracted then we both know that the loan was granted at the Treasury window, and I would like the credits so that I can purchase the truck for the pursuit to happiness Furthermore, If Im still being denied I would like to retract the application and rescind my signature on all documents and or securities. I would like for XXXX XXXX XXXX XXXX balance to be applied to XXXX XXXX XXXX XXXX account for set off for this transaction. I am writing you in good faith for I am doing the will of XXXX. I am looking forward to hearing your response in five ( 5 ) business days. '' XXXX XXXX XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this collection account with XXXX and directly with Midland Credit management for some time. Midland Credit Management intentionally misrepresented information in an effort to harass and inhibit my rights as a consumer by negatively impacting my credit score. To date Midland Credit Management has never provided me with any documentation confirming an account with an alleged last statement date, charge-off date, last payment date, a transaction date, or a judgment date on XX/XX/2020. Per XXXX2 CFR Section 1006.34 ( b ) ( 3 ) Midland Credit Management has violated my consumer rights by reporting a reference date XX/XX/2020 which is outside of compliance parameters of XXXX Section 1006.34 ( b ) ( 3 ). Further FCRA 623 ( a ) ( 5 ) ( A ) requires that the reference date is the month and year the account first becomes delinquent, not when the creditor places the account for collections, charges the account to profit or loss, or takes a similar action. Midland Credit Management is operating outside of FCRA compliance and negatively infringing on my ability to act as a consumer.
Product: Debt collection

I sent this collection agency multiple letters via certified mail. They have never responded to my disputes or provided any documentation to prove the alleged debt. They never sent me any validation letter either within 5 days of the initial communication which is a violation of 15 USC 1692g. They also have violated 15 USC 1681 s 2 by never responding to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the consumer reporting agencies I would like to see verified proof and to do a re-investigation on the accounts I have listed below. 

Accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Also I have attached the letter I sent out and here is the Tracking numbers for each letter they received via certified mail : XXXX ( XXXX ), XXXX ( TransUnion ), XXXX ( XXXX ) According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies attached as well. 

Ive also on XX/XX/2022 send out a letter via certified mail ( attached as Last sent letter ) stating they didnt do a proper investigation on my accounts now they Shall delete the accounts listed. Heres the tracking for that letter : XXXX ( XXXX ), XXXX ( TransUnion ), XXXX ( XXXX ). 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also stated that consumer reporting agencies can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

I am getting system error prohibiting me from controlling by protective credit freeze on Trans Union. Therefore I am at undue risk because I can not take advantage of their advertised services via Trans Union Service Center. I have been receiving this error for months Sorry, we're having trouble showing the status of your credit freeze right now I have called multiple times. Late in XXXX, someone opned a technical support case and said the issue would resolve overnight. ( XXXX XXXX XXXXXXXX for freezing error - escalating to " special handling '' department System Error- ) On XX/XX/XXXX spoke to XXXX, said it was not escalated to the r '' special handling ''. She claims to have escalated it to special handling and said I will get a call back my cell with 2-3 biz days. I never received a call back. On XX/XX/XXXX I followed up and received the following responses : XXXX. I called to complain and gave my case number. The rep had trouble understanding me and did not speak understandable XXXX and hung up the phone loudly while I was explaining my expectations XXXX. Called back. XXXX did not understand me, then cited call difficulties and hung up. XXXX. Called back. Explained the problems I was having to another agent. The line went silent then terminated. XXXX. Called back and asked for escalation. On hold for XXXX minutes. No response. Each callback requires multiple security prompts and takes several minutes to clear. I am still experiencing the error. 

Started cfpd complaint XXXX. The company responded making false assertions about resolving the technical issues and so informing the federal office responsible for regulation. The company misrepresented the state of the technical issue as well as the dates and times of actions taken per my feedback to that case 's closure. XXXX. THE COMPANY DID NOT RESOLVE THE ISSUE. 
XXXX. THE COMPANY DID NOT INITIATE A PASSWORD RESET AT THE ASSERTED TIME. 

I am still at risk because I can not control my credit report conveniently and with the same expectations other users have via the advertised features on the site that I am enrolled in and should be able to access.
Product: Debt collection

{$450.00} XX/XX/2020 Caine & Weiner are pursuing to collect a debt from me but are not licensed to do so in the state of Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

A notice was recently sent to this company for multiple FCRA violations. The company responded that all information has been verified and that there are no inaccuracies to report while providing no proof of their findings. 

I have attached a copy of a report from the CRA 's showing at least 5 areas where the information is inaccurate. This is the bare minimum of violations this company has committed. According to law, all credit reporting agencies must show the same information and all info should match across the board. It is the responsibility of the furnisher to be sure all information is the same, otherwise ANY difference is considered an inaccuracy and the entire report must be removed. 

The inaccurate information has caused harm and damage to my ability to get housing, transportation, work and credit in order to establish a comfortable way of life. This is in direct violation of law as it is harmful and abusive. 

I have never received any notice from this organization stating my ability by law to opt out of anything. I have attached an opt out notice, that states, I am opting out of any and all authorization, I the consumer, may have given Santander Consumer USA written, unwritten, verbal and non verbal per 15 USC 6802 and 12 CFR 1016. This opt out notice INCLUDES ALL CRAs. 

This is my last effort to reach out to this organization to provide remedy for the harm and damaged caused for the laws that they are continuously violating. Remove this account from my credit report, provide remedy for your inaccuracies or Im left with no other option than to file a FTC fraud report, audit this consumer account and take legal action in federal court for the violation of laws and securities fraud.
Product: Debt collection

ON XX/XX/XXXX, I sent my 2nd notice to CMRE FINANCIAL SERVICE , INC, concerning the alleged debts ( XXXX, and XXXX ) that i do not owe.My first letters were sent on XX/XX/XXXX with no respond, so i've decided to sent the last set of letters.I have attached copies below for your reading.
Product: Debt collection

transworld systems has placed a collection in my credit report that isn't valid. I do not owe this debt nor have I ever paid anything towards this debt. The debt they are collecting for was for a disputed account with XXXX from 2017. This debt is fully past any statute of limitations and this company acknowledges it but still has impugned my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times about the fraudulent inquiries on my account, I have sent them an FTC report, and still they do not try to help me or provide any resolution.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX XXXX XXXX filed a complaint through the cfpb Complaint # XXXX Also I filed a complaint on XX/XX/XXXX complaint # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX this account maybe part of identity theft which it is and XXXX XXXX has failed to provide proof of debt that they are reporting to the credit Bureaus Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666. For this account XXXX XXXX is violating my rights as a consumer under XXXX XXXX XXXX XXXX  False and misleading representations. I never opened this account. This a fraudulent account that's damaging my credit worthiness. I've filed a identity theft report because this isn't my account. 

ATTACHMENTS
Product: Checking or savings account

I deposited checks on XXXX XXXX not realizing they were doing a scamming. The company that sent the checks or the people who I was speaking to told me it was for a job and while I did search the company and all everything seemed legit and nothing seemed sketchy. After a day the people kept trying to pressure me and asking if the checks deposited that when I realized it could be fake and I tried to cancel the checks but it was already too late. I understand the policy of the bank and why they had to close it but I just wasnt asked any questions I have to evidence of when I spoke to the people and why I thought it was all a real job I just wish further investigations were made for the case.
Product: Money transfer, virtual currency, or money service

I met car sale fraud. I wired money ( XXXXUSD ) from my XXXX account to the fraud 's BOA account. The Bank of America suspect it's a fraud and doesn't apply these funds to the beneficiary. The Bank of America sent message to the XXXX XXXX  and requested XXXX XXXX  to contact me to re-verify the wire instruction. I told XXXX XXXX  that it's a fraud. Both XXXX XXXX and I have attempted to contact the Bank of America to get my money back on several occasions, but have not received a response.
Product: Mortgage

My LO  did a loan application over the phone. He grossed my income up since I am an SR and receive retirement and SSA non-taxable income. The underwriter changed the income from the UW and suspended the loan. I asked the LO for the name of the company and Underwriter. 

UWM XXXX XXXX, SENIOR UNDERWRITER ( XXXX ) XXXX ext. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Money transfer, virtual currency, or money service

On date XXXX XX/XX/2019 i received an email from PayPal stating that my account was permanently limited and that i couldn't use it anymore. 
Moreover they decided to hold my balance ( more than 600 $ ) for up to 180 days. 

I phoned PayPal and the worker told me that it has been a massive limitation that included hundreds of accounts and that there is nothing that can be done. 

I decided to read the entire " Terms and Conditions '' of PayPal and i read : " PayPal can hold the available balance on the customer 's account up to 180 days to cover itself from claims or chargebacks, the funds will be released after 180 days from the last received payment ". 

The problem is : I received NO payments at all in the last 180 days ... my last received payment is something like 200+ days ago. There is absolutely no risk of claim/chargeback on my account and you are holding my money with no reason. 

This is against your own " Terms and Conditions ''. 
PayPal should have already released my funds, they can't hold them when there is no reason to do it. 

I request the release of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I have some inquiries and two collections on my account that arent me. Ive called XXXX and Equifax and sent letters. I called the companies multi time including spoke to each companies credit departments. XXXX hangs up on me and sends me to a special handling department. I have never lived at the address XXXX XXXX XXXX XXXX XXXX IL XXXX Ive have express to them the consumer laws for inquiries 15 usc 1681n & o. Also 15 usc 1666 & 1666b. They are not abiding by the law. 

Out of the 7 inquiries only the XXXX XXXX inquiries are what Ive applied for. Ive been working on fixing the things on my credit now for almost a year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : We were trying to buy a kitten for my children for XXXX. We found what appeared to be a legitimate, professional looking website, with names and contact information, testimonials, everything seemed above board. I submitted an inquiry via the website and they responded by text. They then emailed me photos and we agreed on {$600.00} for the cat, and {$200.00} for the delivery, as we live in different states. They requested some delivery information for the kitten- name, address, closest airport. They asked that I transfer the payment through XXXX, a service my bank, Regions, offers but I had never used before. It appears in my banking app and on my desktop online banking, right in the payments section so I simply assumed it was a credible payment method. As I had a daily limit of {$500.00}, I had to make 2 separate transactions.I sent {$500.00} on XX/XX/XXXX and the other {$300.00} went through Monday, XX/XX/XXXX. Once they received the money from the second transaction, they said the shipping company would contact me. Later that day, I received a text from the shipping company saying they were trying to arrange delivery. I said, " Great, when can I expect? '' They responded with, " There's a little problem we're facing which we need to resolve ASAP so we can proceed with delivery. We sent an email on what we're facing. '' So I checked my email to find an email saying the crate provided by the seller is very small and won't sustain the kitten throughout the flight because of the harsh weather conditions, and I need to rent a special, auto-regulated crate for {$1400.00}, which is fully refundable upon delivery of my kitten. They would send me the policy stating that it's fully refundable once I make payment. I was immediately suspicious and questioned why it was my responsibility, and not the sellers, to provide an acceptable crate. From there, I immediately knew I had been scammed, and told them so, and they told me they would be sending my money back. Yeah right. I immediately contacted my bank to dispute the transactions and alert them to the fraud. After being transferred to a few different people/departments, I was told I have no recourse, as XXXX is not protected and there is nothing I, nor Regions, could do about it. So now I don't only have XXXX heartbroken children who won't be receiving their kitten for XXXX, I am also out {$800.00}. I have been a loyal Regions customer for 5 years and do a lot of business with them. To just hear, " Sorry, there's nothing we can do, '' is not acceptable. They should not endorse a service with such lax policies and zero protection for their customers.
Product: Credit reporting or other personal consumer reports

I was a XXXX XXXX member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, XXXX returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my XXXX account was paid in full. During this time, XXXX Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on XXXX 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my XXXX XXXX by more than XXXX points overnight. 

I contacted XXXX Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. XXXX refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not XXXX. I changed my address with XXXX XXXX and the post office in XX/XX/XXXX when I moved. XXXX XXXX told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with XXXX XXXX Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on XXXX XXXX Services. I will never recommend XXXX XXXX or XXXX to anyone. Please share this with anyone wanting to shop at XXXX for XXXX. Help me fight back.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting XXXX  balance of {$230.00} XXXX XXXX balance of {$1000.00} has violated several of my rights. 


15 U.S.C 1681 Section 602 A Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX Late payments XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) Remove these late payments and update this account immediately you are in direct violation of several laws under The Fair Credit Reporting Act.