23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday XX/XX/2023 I purchased a tablet and protection plan from XXXX XXXX for {$190.00}. 

I didnt receive my refund after returning the item. XXXX XXXX customer service told me it was returned and I would see the funds in my bank account at the end of the billing cycle/statement period. Once the cycle ended I still didn't receive my refund or money yet so I contacted XXXX again and they told me to contact my bank. 

I contacted my bank and told them my story. I filed a dispute and they denied it so I got pics and proof and emailed to them and was told best idea is to submit another dispute since I have still not received my money and not XXXX nor the bank knows where my refund was. 

I was messaged and told I would have to wait u till XXXX to get a decision on my dispute. They have not sent me a email with my dispute confirmation code or anything. And it is messing with me mentally because I feel XXXX and my bank aren't helping me and just not caring.
Product: Credit card or prepaid card

I received an UNSOLICITED " Netspend Prepaid Mastercard '' in the mail. I did not apply for this card and have no intention of using it - however, they included a very official looking card with a number, expiration date and my name on it. Also had the tape on the front stating " Visit netspend.com/activate ... to activate and verify your identity ''. It was my understanding that it was illegal to send out a live credit/debit card without the recipient actually applying for it. I have no intention of using this card, but could not reach Netspend to complain - their automatic system does not have any way to reach a real person - it wanted me to enter the card #. I did not do that because I did not want to inadvertently activate the card. 

A review of the Internet reveals that Netspend seems to do this a lot. Thank you.
Product: Consumer Loan

In 2013 I went to XXXX XXXX because i was looking for a car or suv that is liable and to get my daughter to school and back and also to get her to her medical appointments ... Anyway, the car i wanted was less than the car they tried to push on me. Salemen get over on women, especially single parents with no knowledge of a car and how thigs work.. I did n't want the car at all but i had no other choice because i had no one to count on to get my daughter to her medical appointments. So i was told by the man who sold me the car after a couple months my payments will decrease. I agreed and accepted the car. The same week i got the car different things started happening to the 2013 hyundai ... The seats was fading due to leakage from the rain ... The CV joints tore up, the brakes went out and the tires always stayed flat. Back and fourth to the dealership, yes they fixed it but the car was different to drive. This car was endangering myself and my daughter life. I complained to the finance company and reported them to the XXXX. I let the car go back because it was stressing me out financially due to having to go back and fourth to the dealership and having to get car repaires done. This all happen the same week i got the car and it continue up until a year and i was fed up because it was dangering my life and my little girl. Hyundai motor finance company came and got the car after telling them several times about the problems i was having with this lemon car. They were n't concern ... A month later they sent me a notice stating they sold the car and want me to pay the remaining balance of {$9800.00} Why should i pay for a car that caused me problems and suppose to be a brand new car? Then they sent me over to a collection debtor who wanted to make an offer and charge me {$7800.00} ... I feel like i should n't be repsonsible for junk that almost caused my life and my daughte life.
Product: Credit card

finance charges in XXXX, in XXXX XXXX, in XXXX XXXX. I paid {$130.00} on each payment for every month in question.they it 's interest building in your account.Which is not true.I paid my debt down and, the finance charges did n't go down.I have XXXX more accounts with consumer doing the same thing.
Product: Debt collection

I have tried to reach Transunion, XXXX  and XXXX will not allow to dispute on line. states I have a dispute I did not do. Ex-husband took my card without my consent
Product: Debt collection

Calls work, I have never left a voicemail and they are complete XXXX artists.
Product: Credit reporting or other personal consumer reports

XXXX - Account # : XXXX I've identified a fraudulent account on my credit report due to identity theft. This account is preventing me from accessing essential credit. Under Section 605B of the FCRA, I request its immediate removal. Please correct my credit file promptly. I appreciate your swift attention to this matter.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX has violated my rights XXXX Or 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 XXXX 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, or personal loan

Company Name : Universal Account Servicing Dear Sir/ Madam Re : ( account number XXXX. ) On XX/XX/XXXX, I got 2 years interest free loan ( principal amount : {$3400.00} ) from laser away through this company " XXXX. Unfortunately, your service has not performed well. 
I have an issue with the payment services. I had auto payment setup. Unfortunately, I lost my credit card, and had to change the credit number. As soon as I received the new credit card, I called in and gave my new card number to be used for auto-payment ; however, it seems that operator did not complete the transfer, and the old credit card number was used for the payment which was rejected. 
Although I have called on time before my next due date payment and gave my credit card number to be used ( they have my new credit cart # on record ), I have been told that I am still responsible for the delay which does not make sense. 
I am so disappointed because the service was not performed correctly ; I was billed the wrong amount ; something was misrepresented. i did not do anything wrong here. i paid my monthly amount on-time and did not miss any payment. it was the company 's fault that did not used my new credit card number for autopayment. i should not be punished for that. I already paid back my loan and i do not want to pay any interest. 
To resolve the problem, I would appreciate your help. I already paid back my loan and i do not want to pay any interest. 
Payment Details Total Principal Paid {$2700.00} + Interest Paid {$440.00} Total Payments w/o Fees {$3200.00} I look forward to your reply and a resolution to my problem and will wait until XXXX XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX XXXX XXXX XXXX Please contact me at the above address or by phone at ( XXXX ) or at ( XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

They called me at my job several times harassing me. Pressuring me into signing a document telling me they was going to sue me and that I was going to pay a bunch of money if I didn't agree to there offer. This medical bill was from 2009. It was expired. But I didn't know until after they pressured me into agreeing to make payments on the bill. And now it's on my credit report on all three credit bureau as a Negative mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Bank of America- collector As of XX/XX/XXXX, Bank of America sent a payoff letter to XXXX XXXX XXXX in order for us to refinance our car loan. The title was transferred and the account was paid off. As of XX/XX/XXXX, Bank of America reported to XXXX that my account was closed. A couple weeks later, Bank of America sent me a check for an overpayment of around {$500.00}. A week or so later, they are claiming that they weren't overpaid but underpaid by {$500.00}. Now a few months later, they are reporting me to the credit bureaus saying that I am missing loan payments, when I have had a perfect repayment record. If my account was paid off and they sent me funds, I am not sure how they can charge me interest on a loan that was previously paid off. 

In XXXX, I attempted to call BofA to get more clarity on the situation. The automated service would only let me be transferred to a live person ONLY if I knew my full account #. On the letter they sent me, it only includes the last 4 of the account #. And because I didnt know the full account number, the system would hang up on me. After two more attempts I gave up. 

On XX/XX/XXXX, I was finally able to speak to someone on the phone who was not helpful and would only tell me I owed them money without giving me a full accounting of what happened and how I still owe them money. 

This is just corporate abuse. I would love someone to reach out to me and tell me how you can charge interest and fees on a loan that was paid in full.
Product: Credit card

On or around XX/XX/year> I was on the XXXX XXXX XXXX XXXX website and I was looking at some XXXX XXXX XXXX when XXXX XXXX XXXX XXXX participated in deceptive pricing, I thought I was signing up for a service at {$190.00} a month when actually they planned all along to charge my Goldman Sachs account {$2300.00} which I didnt know and had no intention in authorizing. When I noticed what had happened I tried to cancel to ensure that the charge was never processed how ever XXXX XXXX XXXX XXXX wasnt helpful, thankfully Goldman Sachs declined the charge on XX/XX/year> XXXX separate times because it was over my credit limit by about {$700.00} and they declined the charge once more again on XX/XX/year> until XX/XX/year> when they pushed the charge through even though it was {$700.00} over my limit. This is when I reached out to Goldman Sachs to inform them that I canceled and closed the XXXX XXXX XXXXXXXX XXXX account and that the charge shouldve never been allowed to go through they werent very helpful either and refuse to refund the {$2300.00} dollar charge even though I canceled and never received shipment of any products or services.
Product: Credit card or prepaid card

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 32 charges totaling {$1400.00} were made at XXXX XXXX ; a merchant I have never transacted with before. Citi called me around XX/XX/XXXX to see if these were transactions I authorized. I confirmed they were not my charges and they closed the account for fraud and reissued me a new card and said they would remove the charges. 

In XXXX after hearing from a friend who had an issue with double charges on her Citi account, I went back and did an audit of my account. I found that they had only done a reversal on 18 of the 32 charges - leaving 14 charges totaling {$300.00} on my account. 

I contacted Citi to dispute these charges which was done. The following is where I am with those 14 disputes : -4 charges of {$140.00} received affidavit returned to the company ( assume resolved ) -6 charges of {$76.00} no affidavit received, not reversed back to my account ( pending? ) -4 charges of {$79.00} no affidavit received, reversed back to my account ( fraud that was incorrectly credited to my account ). 

I have contacted Citi several times, even spoke to a manager out of South Dakota after not receiving any resolution from the associate in the disputes department. The manager assured me the incorrect reversal would be credited to my account the following month ( XXXX ), which did not happen. 

After contacting Citi over 5 times and spending hours on the phone and offline with Excel spreadsheets and reading billing statements, I believe this needs to be escalated with the CFPB. They advertise zero fraud liability, yet I am being charged for fraud and spending hours of my time resolving the issue. The ownness is on Citi, not the customer.
Product: Money transfer, virtual currency, or money service

I was trying to Zelle an important payment to someone that provided me services. I was told the Zelle did not go through 3 times. After getting off the phone with the representative the XXXX payment was not there, nor was there any information on where it went. To make matters worse the Zelle representative for my bank institution had my account locked. I had to call off work XXXX XXXX XXXX hours to a bank closest to me that I was with.
Product: Credit reporting or other personal consumer reports

my account was closed and paid full on XX/XX/XXXX but the credit report on XXXX still show " late payment from XX/XX/XXXX till XX/XX/XXXX ''. this caused my house loan delay and can't apply the loan from XX/XX/XXXX till now
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have been a joint customer with my mom at Bank of the West for over 15 years. On XXXX XXXX, 2020, I opened a money market account under the existing name ( married name ) on the account. There was no problem opening the account. My mom (  XXXX years old ) is a senior and from time to time she lives with other family members. Earlier this year we had a family issue that compromised my moms account and we had to change her banking information. It took us approximately 3 weeks to make her account secure as they were notified that there was missing checks to my moms account. The same day we changed the account information, a Social Services representative came to my house wanting to speak with my mom to verify I had not  committed XXXX XXXX to her. Since my mom does not pay me rent and the funds continued to grow and she continues to live with other family members, we decided to move some of the funds to a money market account. There was no problem opening the account, however, I received a letter dated XXXX XXXX, 2020, from the bank requesting verification of my identify due to the IRS involvement. I had no problem with bringing them the verification. The letter stated that I had a deadline to provide the verification. I sent them a letter requesting they provide me with documentation from the IRS prior to the deadline. They failed to send me the IRS contact information and told me during the personal visit that the bank has no such documents for presenting these sensitive documents. On XX/XX/2020, I walked into the XXXX, Ca branch bank to provide verification and was denied because they wanted to make a photocopy of the verification ( social security card ) without providing me a form from the IRS requesting this information be forwarded to them. The environment was an unsecure open environment and I was publicly ridiculed by the manager for all bank participants to hear and see during the conversation and as I walked away from her. I went home discouraged by her and move the money back into the account in which I was charged a fee for the transfer. The same day after notifying a complaint contact number for the bank I was told the Regional Manager would contact me, as of this date I have not heard from any representatives from Bank of the West.
Product: Credit reporting or other personal consumer reports

Over the last 4 years I have tried to get the supposed debts validated or removed the bureaus refuse to do so. they also refuse to remove inaccurate information off of my report. XXXX also now refuses to allow me to do any disputes online etc. Transunion i can not see or even dispute my credit UNTIL i PAY them the XXXX a month. I have several collections that are from a debt buyer when the original account is at XXXX XXXX XXXX or more. But yet the debt buyer account shows as brand new and is ILLEGALY reaged and the bureaus refuse to fix or even remove them and they are substantially harming my credit. All my collections have failed to provide debt verification and the bureaus themselves have refused to act on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account balance is showing up incorrect on my report and this needs to be updated or removed asap. 

Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX  Status Paid, Closed. {$2.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$500.00} Highest balance {$2900.00} Terms NA Payment history 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  Current on payments XXXX  Charge off XXXX  No data for this period Payment history guide Charge Off as of 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, credit repair services, or other personal consumer reports

Someone used my Social Security number my name and my address trying to open a bank account at XXXX  XXXX XXXX. I do not use XXXX  XXXX XXXX Ive been using the same bank since I was XXXX I want this to stop I want the person using my identity to be found and jailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I sent a letter to XXXX XXXX XXXX XXXX asking for validation and verification. They have not done that to this date far beyond the allowed time frame. I notified reporting bureaus of failure to validate and when told by reporting agencies the account was valid I asked for proof of validity/ method of verification in XXXX. They have not done this to this date, way past the time allocated. I put in a complaint about this yesterday, the account is not valid, and violates the time restraints outlined in the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account with XXXX XXXX Acct # XXXX XXXX with Experian, XXXX and XXXX. Experian conducted an investigation resulting in the account being deleted. However the account was re-inserted back onto my credit report. I was not given notice of this according to the FCRA. I 've attached and highlighted evidence of the account being deleted.