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

First reported to my bank an unauthorized transaction between merchant on XXXX/XXXX/16 for {$400.00}. Dispute : merchant ran my card on a unauthorized verbal a day before. Merchant was claiming transaction approval based on the days prior to services. Merchant did not fullfill my instructions and past services was still being worked/ discussed for over billing. First rebuttal between merchant was successful, however, metchant still overbilled and did not provide detailed information.No binding contract exists between merchant and I.They still ran payment without confirmed authorization on the day of transaction. 

Bank received rebuttal from merchant with XXXX pages plus of non-relavent documentation about the reported issue. My bank, Bank of America immediately reversed the credit provided previously which resulted in a negative {$480.00} in XXXX of my XXXX accounts. I then proceeded to call the claims department to provide me with the documents that the merchant submitted so I can appeal and send my rebuttal based on the exhibits the merchant provided. Bank of America claims department representative allegedly sent me the merchants documents via email for my review. However there was no sent documents. The representative still denied returning my credit until the claim was fully closed. 

I preceded to call and follow up the next few days and that claims rep. Did re-open the claim anf provided me my credit back. And she also added my notes on re-opening case and not receiving the documents promised. 

On XXXX/XXXX/16 BofA claims rep, XXXX XXXX left me a message to call back and ask for him, however I spent 2 occassions to reach him that day waiting over 30mins on hold. Due to working during the day I could not wait any longer. The following day, funds were taken out of a XXXX account. Giving me a $ XXXX again. 
Went on line to review the claim reasin. It still stated IN REVIEW, which was confusing because it was closed and a reverse was completed. 
The following Monday I reviewed a new notice which stated that I requested a withdrawal, which is not true. I called Bank of America claims department and spoke to another representative and they confirmed what tge noticed said and I corrected them by saying I did not request my claim to be closed. They notated my syated and said they would have claims researcher XXXX XXXX call me back the latest within 2 days. I never received a call and a request for a reverse credit was still denied. 

Unfortunately, Bank of America did not provide the documents promised for reviews and did not call back as promised. This situation is leaving my bank account in the negative and would like the bank to be responsible regardless now due to their errors and negligence.
Product: Credit card or prepaid card

Applied for the American Express Platinum credit card over the phone in XXXX. The agent told me that I was qualified for a XXXX membership rewards points if I spend {$6000.00} within 6 months. Couple days later, I chatted online to make sure the offer sticks with the card ( see attachments ) and the answer that I was told was yes. 

Two months later, I was told the welcome offer was rejected. After the {$690.00} annual fee was paid as well as {$6000.00} spend requirement was met. Between XXXX and XXXX, I have been waiting for a resolution from Amex and the compensation that was offered was {$50.00} statement credit and they said no further escalation that could be done. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The last two hard inquiries I do not recognize at all.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Payday loan, title loan, personal loan, or advance loan

As of XX/XX/2023, the balance showing on my loan ( on their app ) was {$0.00}. I submitted a payment for {$1.00} several times but it was never processed. 

They call several times a day and when I finally spoke to them, they said they didn't accept the {$1.00} payment because my balance was actually $ XXXX. I can not find a statement that shows this amount online and they have not mailed one even though I requested one. 

I have made XXXX additional payments since then ( approx {$110.00} each ) but they continue to call several times a day.
Product: Checking or savings account

On XXXX XXXX, someone wrote a fraudulent check on my Sun Trust checking account for {$10000.00}. The persons name on the check was XXXX XXXX. I did not authorize this check or know it was written until about XXXX XXXX when I received a letter from Sun Trust showing my overdraft protection had been used to help pay this check. The person stealing the check deposited it in XXXX XXXX in XXXX, Virginia. I filed a complaint with Sun Trust, at the end of XXXX but have not received my money back. I am XXXX XXXX XXXX. There is a fraud case number. XXXX XXXX and I spoke with XXXX XXXX XXXX about 2 weeks ago. Nothing has happened. His number is XXXX, ext XXXX. My Sun Trust, now Truist branch is on XXXX XXXX in XXXX, XXXX and the number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I would like to add to the complaint against XXXX. According to Rise, the account was sold to XXXX. Jacob Law initially claimed they were handling the case. However, after I emailed them documents requesting verification of the account, they stopped responding. 

I have contacted XXXX multiple times, but their representatives have refused to verify the account or take steps to resolve the issue. As a consumer, I have made every effort to address this matter, but XXXX has neglected its responsibility by continuing to report the debt without resolving it. 

Additionally, I spoke with Jacob Law Group, which eventually closed the account after admitting they had the incorrect Social Security number on file. I will attach an email I sent to Jacob Law regarding the XXXX account as evidence. 

XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires companies to reasonably investigate consumer disputes and correct inaccurate information if found. XXXX has failed to do so, and seven months have passed without resolution. 

This unresolved debt has significantly impacted my ability to obtain a XXXX XXXX XXXX, which has caused me undue stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 US DEPT ED XXXX XXXX XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I was texted by a number claiming to be chase fraud about two transactions on my account. I then received a call claiming to be Chase Bank fraud so I followed all instructions and they told me we were closing my accounts and transferring all my money into new accounts so once I transferred {$25000.00} to a XXXX XXXX XXXX XXXX account I checked my accounts and there were no new accounts so I hung up and called chase and they informed me it was not them who called me. Chase Bank was unable to recover the funds and denied my claim when this is definite fraud.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed several errors in billing. These late payments dont align with my typical payment behavior. Kindly make the necessary corrections and update my account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from XXXX within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that XXXX XXXX XXXX XXXX take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for XXXX. Please update payment status or remove off credit report
Product: Credit card

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent SELFINC/XXXX you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP MONDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB and FTC but I don't see why these negative accounts, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.
Product: Credit card

I attempted to do a prequalifcation online with XXXX XXXX. This resulted in an approval instead. Once I saw the terms I was no longer interested. The card was received and destroyed. Never activated or used. The company is now reporting to my credit and demanding a {$75.00} annual fee. I have contacted them three times asking for the fee to be removed and the account to be closed. XXXX in management has refused stating an investigation needs to be completed. This is going to result in a late payment marking to my credit report due to their failed business practices not protecting the consumer.
Product: Student loan

Hello, After the official announcement regarding the Biden-Harris Administration 's Student Debt Relief Plan on XX/XX/2022, I followed up with my federal student loans servicer, EdFinancial to request a refund on a payment I had made during the COVID-19 pandemic debt relief ( CARES Act ) and received inconsistent information regarding my refund. 

I first called EdFinancial on XX/XX/2022 to request a refund of {$2000.00} ( {$2000.00} principal and {$17.00} interest ). The representative ( XXXX  ) informed me that I would receive my refund in 120 business days and that I would not receive a confirmation about this refund request, and that I would have to call in a few business days to check up on it. She also noted that I would receive the refund via a check, even though my payment was made online. 

On XX/XX/XXXX, I reached out to 3 EdFinancial representatives ( 2 online and 1 over the phone ). The first representative I contacted online disconnected before I could even ask my questions. XXXX, the second online representative I connected with informed me that my first refund request was made for ALL the payments I had made during the pandemic, not just the {$2000.00} amount. I requested her to fix my refund request to reflect that I only wanted {$2000.00} back. She informed me that I would receive my payment back in 120 days, but through direct deposit. 

Also on XX/XX/XXXX, I contacted EdFinancial again over the phone due to the confusion with the refund request amount. The representative I spoke with ( name not collected ) clarified that my refund was for {$2000.00}. This representative also informed me that EdFinancial had made a " note '' on my account. I still have not received any form of confirmation. 

My complaint stems from 3 major concerns I have. ( 1 ) Lack of formal confirmation about my refund request, ( 2 ) inconsistency in how I should expect my refund ( check or direct deposit ), and ( 3 ) timeline for my refund.
Product: Credit reporting or other personal consumer reports

XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.