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

Back in XXXX an disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.
Product: Credit card or prepaid card

Upon taking a trip on Frontier Airlines in XX/XX/2019, they advertised a credit card where I could get free miles -- enough for 3 round trip tickets. I have cards with both XXXX and XXXX so thought it would be a good way to save for travel w Frontier as well. 

I went about my life and didn't realize that I never received the Airlines card until I got the past due billing statement from Barclay 's for {$79.00} ( annual fee ). I immediately called and told them that I never got the actual credit card. They offered to send me another but told me that because the 60 days had passed without me putting $ $ on the card, they would no longer be able to offer me the points to get me 3 round trip tickets. I told them if there were no points, I didn't want an extra card, and they insisted that I needed to have the card. They said they would send me another card but I never got it. FRAUD! ARGH. 

They continued to send me a couple more past due statements for the annual fee and every time I called and said I didn't want the card and that I wasn't going to pay a fee for a credit card I never got! I also said they had BETTER NOT BE REPORTING ME TO CREDIT BUREAU, but apparently they did! 

Please get rid of this FRAUDULENT charge for a credit card I never received. It was reported to ALL three agencies -- XXXX XXXX and XXXX. 

The late dates they reported me were for XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/201XXXX XXXX
Product: Money transfers

On XXXX XXXX I sent a wire transfer on the amount of XXXX from our account on Bank of America, XXXX XXXX XXXX XXXX to a company in XXXX, XXXX XXXX, XXXX Bank, dollar account. The Supplier responded to me one week later that they have no receive the money. Since then I has been in contact with bank of America, wire transfer XXXX XXXX XXXX XXXX and they say they transfer the money to XXXX, but XXXX have not received. I ask for the money to be returned. Nothing have happening and they tell me that XXXX have answer.
Product: Checking or savings account

From previous complaint, I have decide to closed my HSBC account XXXX Hsbc send a letter saying they are gon na refund my balance of {$5100.00} They even provided a fedex label. As of today I did not received any fund
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan, credit cards, and any other accounts from Account Name XXXX XXXX XXXX with a balance of {$3100.00}, Account Name XXXX. XXXX XXXX with a balance of {$470.00}, Account Name XXXX XXXX XXXX with a balance of {$1100.00}, Account Name XXXX XXXX with a balance of {$0.00}, Account Name XXXX with a balance of {$160.00}. 


These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I mention state your business, and they said MCM without telling me what the acronym was about I didnt feel comfortable then I kept saying do not contact me again or Ill report you to the Federal Trade Commission XXXX They proceeded to still antagonize me and I got off the phone and block them from numerous numbers.
Product: Consumer Loan

I have been paying on a loan, on my XXXX CHEVROLET CORVETTE, which I have made a point of not being late, in order to build up my good credit record. I have been expecting my last payment to be final XX/XX/XXXX & expecting to be able to collect the title & was very excited that it will soon be over with & would be paid for however noticed the statement even gives a 4 payment to go & it also states that there has n't had any past due amounts or late fees charges on any of my statements. Yet my payments on the loan is {$510.00} ( {$460.00} principle + {$45.00} interest ) which would be {$2000.00} but they claim I owe {$3100.00} for my current balance? Which is {$1100.00} still left they are claiming I owe?? So I tried resolving this with customer service & was informed I was n't late on my payments ( which I specifically made sure I was NEVER late to making my payment in order to build a good credit history ) but was being charged an interest fee they charge daily that I am required to pay for even with making all my necessary scheduled payments & NEVER was it ever listed on my statements that they were charging me ANY of these fees or that I even owed it. They claim I was informed of these such charges & even mentioned how it was on my contract & if I did NOT pay this added amount within 30 days after loan matures that they have the right to REPO MY VEHICLE!?! Yet directed me to another department to make arrangements for this additional amount they are trying charge me. I feel very disappointed about this whole ordeal & wanted it to be rectified & have it resolved!!! I CA N'T BELIEVE they can get away with this & would appreciate any advice resolving these charges or fees & would like to inform anyone else who maybe considering using their services to BEWARE OF HOW THEY CONDUCT BUSINESS WITH THEIR LOYAL CUSTOMERS!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, wire transfer was set in motion to be transferred from my bank, XXXX XXXX XXXX XXXX  ( XXXX ), into Chase Bank account XXXX which was for a fraudulent company, XXXX. XXXX hours later, XXXX contacted Chase Bank to stop the transfer. ( XXXX pm XXXX - XXXX - XXXX - XXXX - XXXX ) Chase Bank verified it had not yet been deposited into the fraudulent account shortly after stop was sent. XXXX  against XXXX was filed, FTC report XXXX filed, FBI IC3 Complaint against XXXX was filed, Opened case # XXXX with XXXX XXXX XXXX Department. Detective XXXX XXXX, badge # XXXX, XXXX, verified that XXXX is not a legitimate company and this was in fact fraud. XXXX XXXX from both banks communicated over the course of a week, back and forth conversations, and we knew that the transfer had not completed, and on XX/XX/XXXX XXXX received word that Chase Bank allowed the transfer to complete and I would not be receiving the money back. They had been asked to stop the transfer previous to it going through, they were provided many supporting documents to prove that this was fraud, XXXX of it was a police report that verified the fact, and they had still let the scam artists receive the money. Also on XX/XX/XXXX, XXXX submitted another recall to receive the funds back. FTC Report XXXX XXXX against Chase Bank created. FDIC case number XXXX created against Chase Bank. XXXX  complaint against JPMorgan Chase.
Product: Credit reporting, credit repair services, 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 XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX, Account # XXXX, Account name : XXXX, Account # XXXX, Account name : XXXX XXXX, Account XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX, Account # XXXX has violated my rights XXXX 

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

According to 15 USC 1666b, timing of late payment, They did not have the verbal or written consent to furnish late payments on my credit report. Account name : XXXX XXXX Account # : XXXX, Account name : XXXX Account # : XXXX, Account name : XXXX XXXX Account # : XXXX.
Product: Debt collection

I received a letter in the mail from Lotane & associates. P.A. This debt is not mine
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTOF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXXXXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

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 an account without my written instructions. 

15 U.S.C 1681 s-2 ( a ) ( 5 ) Section States ; No consumer reporting agency may take 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: Consumer Loan

I was erroneously refused an early termination option as stated in my lease for an automobile. The car 's motor blew out after only 4 months of responsible driving/maintenance and was under warranty. However, I was not provided with a loaner vehicle and payment was demanded for an inoperable car that is no longer in my possession. My references have been harassed via telephone by AutoStart, who continues to illegally disclose claims that I should contact their office due to a late payment. The office/lot staff has been uncooperative, standoffish, and it seems I will continue to be subjected to an unfair breach of contract, dishonesty, and unfair auto leasing practices.
Product: Credit card or prepaid card

we bought new furniture at XXXX XXXX 12 months interested free was paying on it for 11 month all auto payments payments came out on the 5th of each month like clock work, when it came to the 12th payment all of a sudden the payment could not process and then Well Fargo add all kinds of fees.
Product: Debt collection

I had XXXXXXXX XXXX XXXX  of XXXX XXXX to do a service at my home and no contract was made or paperwork. I paid for service and later decided I did not want to use them anymore. XXXX stated that it was ok and he would cancel. Not once did I hear of the few that was added. Never once reached out to me to let me know, no email, text, mailed letter, call, or voicemail was received. I did one service with them on XXXX of XXXX and now on XX/XX/XXXX am now getting a notice from a debt collector of these charges. How can someone do this and get away with it. Not once was I told of this charges. I paid for my service and now my credit is in jeopardy for their incompetency in communication and transparency with customers. I do not owe them anything.
Product: Checking or savings account

My Complaint is regarding a previous Complaint I filed with you, the Following Case Number is XXXX. 

The Response Navy Federal Gave you was inaccurate and false. 
I've never had any issues or problems with anybody or someone trying to access my account online illegally. My wife and I ALWAYS use her phone to access my online access on our JOINT TOGETHER .... Navy Federal Credit Union has provided and given you FALSE RESPONSE on XX/XX/XXXX. 

Because we had a joint Chapter XXXX Bankruptcy that was filed in XXXX my wife had accounts with Navy Federal Credit Union 1 or 2 accounts were included in that Chapter XXXX Bankruptcy. Navy Federal credit Union doesn't approve of me giving my wife access to OUR Joint Account ONLINE under my login. She's my wife not a XXXX stranger.
Product: Credit reporting or other personal consumer reports

This is the response I received from the company Acct : XXXX XXXX XXXX We are in receipt of the complaint from XXXX XXXX, forwarded to our office through the portal on XX/XX/year>. Upon review of the complainants information provided, we are unable to determine what account is associated with the complaint and need additional information to respond meaningfully. Examples of information that would allow us to respond meaningfully to the concerns addressed in this complaint would be the internal reference number provided by XXXX XXXX XXXX XXXX on any written correspondence sent to the consumer, the original account number assigned by the creditor of record, along with the last four digits of the consumers SSN along with date of birth and/or the address of record for the account in question. Once we are able to verify the identity and account of XXXX XXXX and his association with the account subject to this complaint, we will respond to the concerns expressed in the complaint filed on XX/XX/year>. 

They have no knowledge or record of this account with my name
Product: Credit card or prepaid card

I am writing to you due to my concerns with Bank of America 's financial practices. On XX/XX/2022 I purchased a trip for {$1700.00} through a third party travel company called XXXX XXXXXXXX using my Bank of America Credit Card. However, XXXX XXXXXXXX filed for bankruptcy sometime in XXXX XXXX XXXX. My travel partner and I did not find this out right away. After attempting to contact the XXXX, we were told to also contact our credit card companies. She had purchased through XXXX and got her money back almost instantly. I contacted BOA who stated they would send me directions via mail ( snail mail ) to send supporting documents back to them proving the matter. They said it must be sent via mail, even though I travel for work. By the time I returned home, and received the communication, it was significantly later. I was outside the window of time they allotted me to get supporting evidence back to them. In addition, they stated that since it was over 6 months from date of purchase it was outside the transaction window/time frame when they can return funds. I was beyond frustrated. They said there wasn't much they could do. After being transferred around to multiple departments, asking for managers etc. they said they would send me another form ( this time by email!, so they can correspond that way ) to submit my claim etc. Even though we confirmed my email, I never received any email. I followed up numerous times and never received any follow-up emails or instructions, despite being told they were sending them to me. However, I get confirmation emails and transaction alerts and statements from them regarding my credit cards all the time - there is no way these emails should not have made it to me. 

I have called BOA and wasted hours and hours on the phone with them, not getting anywhere. I believe they purposefully drew out the process, falsely stated they were sending me documents/emails etc, and had no intention of ever following through or returning my money for a purchase where no services were ever rendered. I have never received any written correspondence from the company except for that first letter that was sent while I was away from home. I have never received any type of compensation or refund from the company. 

Sadly, I eventually gave up/did n't have the bandwidth to continue fighting them until I read recent reports about the BOA 's other financial misconduct. I believe their misconduct is deeply ingrained into their entire system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a issue with Experian and XXXX refusing to remove false late payments and false debt amounts. I have disputed the item several times. I have disputed items so much Im blocked from disputing the item. They are in direct violation of 15 U.S. code 1681b permissible purpose of consumer reports. I didnt not give anyone written instruction to furnish a report on me. I was told they didnt need my permission, which is false Second violation 15 U.S. code 1603g the consumer is the creditor, thats me so why are they reporting fraudulent debt. 42 U.S code 408 asking for a social security number on any credit transactions or loan because there is no lawful money is a crime. Clearly these company are violating all the consumer laws and reporting fraud. All debts are obligations of United States 18 U.S code 8
Product: Credit card or prepaid card

I have a az pua debit card on XX/XX/2020 I tried to make a atm withdrawal of XXXX $ the atm gave me XXXX and went off line I called the atm company and they told me to call my bofa card service and they can refund the remainder of the money I tried calling the claims dept for 2 weeks before I finally was able to speak to someone at the call center and they told me they have to investigate so yesterday XX/XX/XXXX they put the credit in my account before taking it back and basically saying I lied and tried to fraudulently obtain money CASE NUMBER XXXX
Product: Money transfer, virtual currency, or money service

PayPal has made me wait days and days after I called and asked them numerous times to solve 2 issues that I was facing. One issue occurs when I attempt to transfer my PayPal balance to my debit card. At the time, I had around {$120.00} in my PayPal balance which could be used to make purchases or could be transferred to my bank. They made me wait days and days and didn't tell me that the reason why I couldn't transfer my money to my debit card was that the free service to transfer the funds which takes 1-3 business days is unavailable for cards and that instead I would have to use the instant transfer which charged about a 2.75 % fee. After calling numerous times, the final representative I spoke to informed me of this, and we attempted to link my XXXX XXXX XXXX XXXX XXXX account to my PayPal account, but the representative told me that this credit union wasn't allowed for some reason because it posed a " risk ''. They ended up linking my XXXX XXXX account instead, and I transferred my PayPal balance over to it. They won't allow my preferred bank which is XXXX because they say it poses a risk. The second major problem I'm having with PayPal is that they wont ' allow me to use my PayPal balance anywhere, because they say that it poses a " risk ''. I spoke to the representative for over an hour, she told me that every single place I attempted to make a purchase, based on them monitoring my activities over the past month, was flagged as too " risky '' for my PayPal balance to be used, and that instead I would be forced to use a different payment method like a credit card. They are not allowing me to use my balance anywhere to make a purchase, not even XXXX because they're saying that there's a " risk ''. They won't allow me to use my PayPal balance to make purchases, they won't allow me to use the credit union of my choice to transfer my PayPal funds, and their reasoning behind all of this makes no sense. How is XXXX too " risky '' for me to use my PayPal balance to make a purchase, but not too " risky '' for me to use a credit card through PayPal? They won't allow me to use my PayPal balance to buy things. It's my money. It's my right as an account holder to use my PayPal balance to purchase things, they're not allowing me to do so. They made me wait days to find all of this out. They refuse to allow me to send funds to my account with XXXX XXXX XXXX XXXX XXXX, so I had to use my XXXX XXXX account instead, and I didn't want to do that. They won't allow me to send funds to my bank of choice and they won't allow me to use my PayPal balance to make purchases online.
Product: Credit card or prepaid card

I withdrew my dispute case of Citi credit card on XX/XX/2020 just because I hit the wrong number. I should dispute {$12.00} instead of {$30.00}. But online status always shows {$30.00}, so I want to withdraw it and reopen the case.
Product: Credit reporting, credit repair services, 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 XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. 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 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.