23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I did a purchase in XXXX, to XXXX, a furniture company. originally, the transaction for XXXX {>= $1,000,000} pesos or {$5500.00} was requested to be voided, hoewver one month later, by a letter, mail and phone call I confirmed to Citicard the transaction was correct, and requested them to charge my credit card. The Bank in XXXX, paid to XXXX the XXXX {$29.00} XXXX pesos, and XXXX delivered to me at satisfaction the furniture. 
Citicards, despite my continuous letters and mails, debited and credited the {$6500.00} to my account. They stated theyw ere investigating the report ( by the way, never contacted XXXX ). Suddenly in XXXX XXXX the XXXX bank took away from XXXX the {$29.00} XXXX pesos. XXXX has been asking me to pay them for their sales, I have stated to XXXX many times, to reimburse XXXX and charge my account. 
Finnaly, they charged me again on XXXX the XXXX but have refussed to reimburse XXXX the XXXX XXXX pesos tI owe them. The bank in XXXX contnues saying they have no instructions from XXXX to reimburse the {$29.00} XXXX XXXX pesos. Citicards refuses to give me a letter stating they have charged me and they will pay XXXX in XXXX. XXXX is talking about suing me in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with 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 : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. Systems, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- 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.
Product: Credit card or prepaid card

I disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased as it was described ( an air trip from XXXX XXXX XXXX via XXXX XXXX to XXXX XXXX XXXX XXXX. The changed ticket issued due to XXXX XXXX required travel to a different airport from XXXX ( XXXX in XXXX, NJ ) to change planes which cost us {$300.00} and resulted in over five hours of delay in arrival to the final destination : the arrival time per original ticket was XXXX XXXX, but after the change it was XXXX XXXX. XXXX provided no adequate compensation for these extra costs and change so a billing dispute has been filed. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I called XXXX XXXX I didn't realize it was closed XXXX XXXX I had this account open for over 6yrs I was trying to keep it opened to establish my credit and didn't know I had to reapply fir credit card are count against my credit score. Please remove hard inquiry from my report are anything else.and reopen my account with XXXX XXXX thank you XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I went to the BB & T Branch located at XXXX XXXX XXXX, XXXX XXXX, SC XXXX. I was instructed by the coordinator at XXXX XXXX to make a deposit payment in the amount of {$4200.00} for an upcoming XXXX on XX/XX/2020. While trying to make the deposit into the account number that was given at the time, I was told by the teller that that particular account could not take deposits at the time. I had a personal check for part of the payment and then a cash, I was then told that because I didn't have an account there I was not able to make a cash deposit. So for the remainder I had to go to my bank which was XXXX XXXX and get a cashiers check in the amount of {$2800.00}. I still had problems when I got back so the branch manager XXXX XXXX called the owner of the account and told her that I was trying to commit fraud on her account so she then instructed her to close out that account ( which this was after I had already made the deposit into her account ) and get a new one, I had Seduction on the phone with me while I was there. so once payment was made the company kept saying I sent it to the wrong account which I sent it where they told me to. so not hearing back I called my bank to stop payment on the checks and was told I could only stop payment on the personal check and not the cashiers check. Now XXXX XXXX has my {$2800.00} and keeps saying that she never received it, which the branch manager said that she received the money into her account. Had it not been for XXXX XXXX being prejudice and pre judging the transaction, none of this would have happened. XXXX XXXX XXXX made her think I was a fraudster and I'm the one now without XXXX and money back. I feel that BB & T branch manager XXXX XXXX should talk to her so that she can return my money because she knows it was put into her account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Product: Debt collection

I checked my credit on XXXX XXXX 2017. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by security credit services ( new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
Product: Credit reporting

I previously disputed a debit ( XXXX XXXX XXXX XXXX ) with all XXXX credit reporting agencies ; because the debt was n't mine. All XXXX credit bureaus deleted the collection. Equifax deleted the debt on XXXX XXXX, 2016 and later reinserted the debt. This clearly violated my rights under section 6.11.As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation, and I am requesting that this alleged debt be removed.
Product: Credit card

Navy federal Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. Navy federals lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. Navy federal as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. Navy federal must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. Navy federal has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. Navy federal has neither provided proof verified by 3rd party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from Navy federal prior assets ; date and time of the Board meeting with share holders that provided navy federal to lend from these assets, the beneficiary is also a shareholder of Navy federal and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX my personal information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX XXXX XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. Navy federal is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the Benefiacry ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX  refuses to respond to debt verification but continues to report unverified debts to credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX XXXX was stolen, the insurance company deemed it a total loss because the vehicle was never recovered. I continued to make my car payment to satisfy the terms of the loan to XXXX XXXX. The XXXX XXXX XXXX ( customer service in XXXX XXXX ) told me that if the account is late 30 days OR more that's when they report to the credit bureaus. They also informed me that the payment has to be made before the 30 days time frame and before XXXX central standard time. I called XXXX XXXX on XX/XX/XXXX and i spoke with the XXXX XXXX XXXX XXXX XXXX XXXX, the representative assured me if i made payment by the XXXX of XXXX I would be in good standing and it would not report to the credit bureau. On XX/XX/XXXX I called them back before I made my payment and the Customer service representative told me that my account showed 28 day past due and yet again assured me as long as I made my payment on the that day, it would not report as 30 days past due to the credit bureau. She in fact assured me of this, so i made my payment on that date ( XX/XX/XXXX ) rite after i got off the phone with her. I made my payment before the 30 days. Weeks later I got a notification sent to my email that my credit score took a dramatic hit of XXXX points. I immediately contacted them at XXXX XXXX and I told them I paid before the 30 days and the representative assured me that it wouldn't affect my score and they even had record of the representative i talked to that day because she made a note of it in the system. I asked them for that documentation and they told me they couldn't give it to me. I have been calling and calling and everyone there is giving me the run around there and I just want them to remove it from my report because they gave me the wrong information and if i was given to correct information i wouldn't be in this situation i would have paid it the first day I called and spoke to them on the XXXX of XXXX. I feel like its unfair because I trusted them and they failed me as the consumer.
Product: Checking or savings account

I am with Amex Serve, the WORST WORST WORST checking account ever!!!! 
They literally made me XXXX since I haven't been able to use my account for almost a month. The cards never show up at the right address, or if they do they do not work or quit working. Then when I order a new card I get locked out of my account. They refuse to refund my money as they hold it hostage. They refuse to mail me a check to close the account without an active debit card. Then they charge me fort each card, and if I lose it they lock me out of my account entirely so I can not access my money. If I go online to try and transfer my money, it blocks me. When I try to call customer service for help, it says that I need a 15 digit account number ( card number that I dont have ), and it WILL NOT let me through to speak with one of their robot service agents to get help, and if I ever get through by absolute miracle, then they tell me that I am not allowed to have a new card because they shipped it it the wrong address so I am not allowed to close my account, request a new card, or transfer any money because they keep making the same mistakes. They have cause huge hardships in my life and I am ready to file a lawsuit. I have decided since I am XXXX  now thanks to these crooks that its better to have my mail going to advocates who are witnesses trying to help me. You are a terrible to do this to me AMEX!!!!
Product: Bank account or service

I deposited a cashiers check for {$2900.00} at Bank of America ( BoA ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called BoA and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. BoA informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed BoA of this fact. Also, BoA informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a " mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or BoA to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my BoA checking account.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I bought a car. After purchasing, I received an email from experian that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from XXXX XXXX XXXX that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with XXXX XXXX XXXX  and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from experian and XXXX even though every time I contact XXXX they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have XXXX letters from XXXX  stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXXXXXX XXXX XXXX XXXX  of XXXX. Please remove this account from my credit report at XXXX and experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have issues with wrong info on our mortgage account and CAN NOT resolve them because all the phone numbers and extentions they provide no PERSON answers, the recordings do not pertain to our issue, they have reported us to the credit bureau 's 1 ) due to the virus I told them I couldn't pay XXXX because we were supporting XXXX humans with us but not only that there was a moritorium made by our Governor on XX/XX/2020 that a late payment could not be reported 2 )  even without the moratorium they did not wait the 30 days. They also report in their letters that XXXX was missed but I have proof it was. They are charging us late fees when with a 15 day grace period NONE were late. When we purchased the house we paid it the 1st every month. They then increased it and being on a fixed income I had to make up the {$120.00} with ss check but it was never sent after the 15 days. They in again a letter said they DON'T apply the XXXX to the mortgage payment. Well if it's my account and it isn't late why not? I have been receiving robo calls daily and voicemails daily with NO valid # number to call. If I answers the call it just tells me to call a number that I can't reach anyone at. 
I have letters I have written, the last was certified receipt requested and they received it and I got back a letter telling me to call someone, different # but and extension. Well guess what we called repeatedly and again recordings that person and extension " not available '' and NO RETURN CALLS TO OUR VOICEMAILS ASKING THEM TO CALLS us back. I have been told that XXXX XXXX has received numerous calls with the same complaint I have. 
Is there anyway this Sham can come to a close? Is there anyway I can get my credit restored because of their false reporting or can they be sued?
Product: Checking or savings account

I have been a Citibank Gold customer for several years. I realized that the bank was taking {$60.00} per month from my checking acct. ( that I rarely used ) because I did not maintain a certain balance. 

I immediately closed the account in XXXX 2017. Since that time the bank claims that I owe them some {$500.00}. I have asked repeatedly for paperwork showing why I owe this money but they have NOT sent it to me. 

For months they were calling me daily, and for months they said they would send me the information. I have NOT received specific information regarding why They are now saying they will report this information to credit bureaus. The calls border on abuse. 

I do n't see how I can pay {$500.00} without any information in writing. This makes no sense. I find these business practices unethical and abusive. Who pays money without evidence that it is owed?
Product: Debt collection

After noticing this debt collection on my consumer report, I contacted the company asking for original documentation or contract, signed by me, stating that I owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX, GA XXXX Incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXX INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX ( Original XXXX : XXXX XXXX TEXAS XXXX XXXX XXXX Balance {$5400.00} INQUIRIES : 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 EXPERIAN INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I called XXXX XXXX to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit  union cancelled my card that XXXX pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be XXXX recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to XXXX/Experian, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to Experian who referred me back to XXXX. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, XXXX did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX to evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX