23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX XXXX. I called XXXX and was trying to explain that I need an address removed from my profile. 

XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX ( Multifamily ) I do not recognize the account, XXXX  it got XXXX XXXX  XXXX XXXX? They had no idea why I am calling I explained they never heard of me. XXXX claims this account is associated with a creditor and would not say who? I need help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Barclay Bank of Delaware  This account is paid and resolved and settled. They will not entertain anything to remove it. Please help! 
Regards, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I stupidly believed that I was speaking with a Fraud Representative from Bank of America and transferred {$1700.00} and {$1800.00} from my checking and savings account to purportedly avoid pending XXXX transactions. My experience followed the pattern, a few bogus charges prompted an alert from BoFA and I immediately received a call and more texts allegedly from BoFA. Once I realized it was fake, I immediately reported it to BoFA. They reversed the fraudulent transactions from my checking ( {$100.00} ) but referred me to a XXXX XXXX XXXX. They took the information and denied the request. Their decision was contested and the claim was resubmitted. Despite being a BoFA customer for over 40 years, my request for Federal E Regulations to apply, and my strenuous attempt to have them react quickly ( the funds went to another BoFA XXXX account so they should have visibility into this ), I was denied any remedy except for some email tips for how to avoid future scams. 

Calling your attention to a few things, XXXX has removed the XXXX from service and there is no mechanism for consumers to reach out to them directly. They refer everyone to their bank and that route from me has been exhausted. 

As a long time BoFA customer, XXXX XXXX XXXX  and a clear victim that should be offered Federal E protection, this has been denied. We are moving the bulk of our savings to another bank because we have lost trust with this institution to have our best interests top of mind. While I am embarrassed that I fell for this scheme, I am sharing my story so that other customers are aware of the scam and the appalling lack of recourse from Bank of America and XXXX.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my HSBC Online Payment Account in 2018. There was somewhere between $ 100- {$200.00} in my account at the time. Before closing the account, I updated my address to my current address. 

HSBC never updated my account and never sent the check for the closed amount. 

I have tried to resolve this with HSBC 5 separate times. Each time, after 30-45 minutes on the phone, they promise to send the check. 

They have effectively stolen these funds at this time. I am beyond upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

TransUnion, Equifax, and Experian are reporting information that has been charged off and the debt has been canceled, 1099C has ben issues by lender. Income can not be reported on credit report. This is in violation of the provisions set forth in 15 U.S. Code 1692e - False and misleading representation and I do not consent for my information to be shared with these agencies.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

I did not authorize a hard inquiry on my credit profile. This was for a business credit card which should have only been a pull on my business XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance {$69000.00} XXXX XXXX {$0.00}XX/XX/XXXXXXXX Balance {$630.00} XX/XX/XXXXXXXX XXXX {$6600.00} XXXX XXXX XXXX Balance {$1300.00} XX/XX/XXXXXXXX Balance {$5000.00} XXXX XX/XX/XXXX XXXX Balance {$0.00}
Product: Credit card

On XX/XX/year> my wife and I booked flights with XXXX XXXX to fly from XXXX, XXXX XXXX XXXX XXXX and return flights from XXXX to XXXX. We used my wife 's American Express credit card to book the flights so that we wouldn't have baggage fees. The credit card statement shows all legs of the trip are with XXXX XXXX. We flew from XXXX to XXXX with no baggage fees. Upon arriving at XXXX for our return trip we found out that XXXX had changed our flight to XXXX XXXX. The attendant at XXXX XXXX would not issue our boarding passes unless we paid her {$150.00}. I explained to her the relationship that XXXX and American Express have regarding baggage fees. She didn't care. I put the baggage fees on my American Express credit card so that we could get our boarding passes. 

Upon returning to XXXX I filed a complaint with XXXX asking for reimbursement for the baggage fees. XXXX refused, so I filed a complaint with the XXXX XXXX XXXX XXXX I am waiting to hear back from the XXXX I disputed the charge with American Express to no avail, even though I told AX about my complaint with XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to upload documents in support of my credit dispute to Experian.com. Their upload form is broken. I 've tried 5 different browsers ( latest XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) and followed their instructions precisely but continue to receive the same error which lacks any explanation of the problem. I called their customer support number but they have no menu option for dealing with disputes or technical support. The recording says only to mail in a communication along with numerous identification documents that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection on my account that says I owe XXXX from Receivables Management. I have never heard of this company, I have no signed contracts with this company, I am unsure of how this company has my information. I have called the company and advised them that I am unsure of the account and unsure of how they got my information. They were unable to provide me with a signed or consensual agreement that says that am associated with this balance or the company,
Product: Credit card

I have a Citibank card, and was successfully enrolled in their autopay online program for months. Without any contact with me, they cancelled my autopay and then charged me interest fees when the payment was late. I asked them to reverse the late fees, and they refused. I checked the autopay program, and it was turned off by them because they sent me a new card. I signed up again for their autopay program, and again was charged late fees.
Product: Debt collection

I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.
Product: Debt collection

Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX
Product: Vehicle loan or lease

Santander Consumer Services  failed to post final payments made on my account accordingly. They have also failed to close the loan accordingly and remove fees that were charged for a reposession in error. It has been since  XXXX  . 2016, th at I have been dealing with Santander in reference to this issue. Santander claimed one of the payments were returned, however proof from my Bank shows that payment did clear the account. I have provided the Bank Statement several times, and they continue to ignore it. Santander claims that they need to see my : '' full bank balance in order to credit the account '' this should be illegal.
Product: Money transfer, virtual currency, or money service

My account was overcharged at certain times and extra fees were charged to my account without prior knowledge of being charged extra for said transactions
Product: Checking or savings account

I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX COLLECTION Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

Never received eip card or economic impact payment after they told me it was sent ...
Product: Credit card or prepaid card

I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with FIRST TECH CREDIT UNION which is a violation of Equal Credit Opportunity Act. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. FIRST TECH CREDIT UNION became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or XXXX in prison for any. You have committed theft by deception and embezzlement both federal crimes.
Product: Bank account or service

I have had an awful month. I 've been ripped off by a couple of retailers and filed complaints with my bank, Wells Fargo. Wells sent me a letter yesterday asking me to respond the day before. They said they had questions about my allegations. The amount I am challenging is {$130.00} This is incredibly insulting and infuriating. Furthermore, I feel as though the delivery of the letter was timed so that I would not be able to respond in a timely manner.
Product: Credit reporting or other personal consumer reports

Upon looking at my report from Experian on XX/XX/year> I previously sent a letter stating the have outdated personal information from 10-30 years
Product: Student loan

On XX/XX/2020, I called Sallie Mae as they had charged the wrong account on file for my loan payments. ( 5th time this has happened ) Following this on the same date I called and requested a refund in the amount of XXXX $ as my bank had hit me with huge overdraft fees as this account is rarely used. The agent I spoke with did not collect the necessary information and did not follow up with me nor did the company as a whole so when I called again on the XXXX, after being told I would here back within 3-5 business days, it was very frustrating to find out the agent did not at all take the necessary information to process the refund. I then sat and waited on the phone for 1 hour 37 minutes talking to a women who then went through the refund with me step by step. After this I called once more on todays date XXXX, and received news that the process still hasnt been approved. I then sat on the phone with a member of their escalations team and she claims that the amount I am owed has somehow been cut in half? This has been a routine with them, taking more money then they should month after month. And when they mess up they take weeks to make it right. This company is ruining lives and needs to be held accountable.