23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

at the day XX/XX/2020 someone purchased gas on XXXX gas station XXXX in amount {$58.00} on day XX/XX/2020 also purchase in XXXX # XXXX XXXX XXXX AZ in amount {$950.00} Both those purchases I didn't made because I am located in XXXX XXXX and I never moved from XXXX XXXX or even travel over the country. 
I noticed those purchases on my credit card online banking and I called credit card company First National Bank of Omaha, immediately I have seen those fraud /charges. 
They told me that they will do investigation and send to me new card. They did send me new card and in same time fraud department send me denial letter signed by XXXX XXXX ( XXXX ) XXXX I called back and spoke with XXXX regards my claim denial. He was very rood and unprofessional and said that ether me or someone else from my household used card. 
That is not true all my purchases was in XXXX XXXX, actually only one XXXX XXXX XXXX  in XXXX XXXX in amount {$33.00} and I paid that amount
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had and Double charge on my cash app account and when trying to dispute it I was unsuccessful I was told it was an authorized charge and then showed funds coming out of account but couldnt provide what for and when I asked for an live agent for better assistance I didnt receive only a chat bot there was even evidence submitted but it wasnt reviewed if reviewed it was been easy to see the double charge as my bank did bank suggested to contact them or dont use and report fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had negligent security features and leaked my personal financial information.
Product: Money transfer, virtual currency, or money service

Bank of America bounced and returned an attempted outbound domestic wire transfer from my personal account ( with another bank, XXXX XXXX XXXX XXXX XXXX -- and, incredibly, charged me a {$45.00} fee. Regardless the specific facts here ( that the information included with the transfer was more than sufficient for BoA to identify the intended account and successfully complete the transaction ) -- this fee was excessive, unfair ( the bank did not complete the attempted distraction ), was not disclosed, and was not pursuant to any agreement or contractual arrangement I had with the bank. Therefore, I request that it be credited back to me. Thank you!
Product: Debt collection

Med-1 Solutions LLC attempted to call me at XXXX XXXX  on XX/XX/2021 XXXX XXXX  on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXXXXXX XXXX on XX/XX/2021 XXXX XXXX XXXXn XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 These are only the calls that come from the official numbers. They have also called from local mobile numbers from XXXX as well as out of XXXX personal mobile numbers. 
I have requested they cease contacting me until I contact them and they have not complied.
Product: Checking or savings account

On XX/XX/2023 I had received proof of service that a transfer fund from my wife had come into my bank. The bank provided proof of receipt and later remissed that proof and have not given me the funds " not found ''. The funds were published as complete on the end of XXXX pay.
Product: Money transfer, virtual currency, or money service

First Tennessee Bank employees did a duplicate wire transfer on XX/XX/XXXX. The account number was XXXX, the original transaction was done on XX/XX/XXXX. First Tennessee adjusted the {$74000.00} by using the bank deposit slip/and or their withdrawal slips. The bank off set the money stolen. The deposit slip & withdrawal slip numbers are XXXX & XXXX. XXXX XXXX & XXXX XXXX are brokers that handled that account. They set up the fraud account with XXXX XXXX. XXXX XXXX appears to be working with XXXX XXXX XXXX. There was a transaction made to XXXX XXXX XXXX XXXX The name on the account is XXXX, XXXX. The amount was $ XXXX.First Tennessee Bank stole {$20000.00} on XX/XX/XXXX. XXXX XXXX with XXXX XXXX stole {$20000.00}. There are three banks involved. There was another wire transfer adjusted by First Tennessee Bank after the bank stole $ {$33000.00} on XX/XX/XXXX. The wire transfer was from account number XXXX to aba XXXX/account # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX is the account set up by XXXX XXXX after she stole my retirement check from XXXX in XX/XX/XXXX. XXXX XXXX & XXXX XXXX with XXXX XXXX my former employer. XXXX XXXX was a former employee with XXXX XXXX XXXX XXXX She was friends with XXXX XXXX . My retirement check was mailed to the bank. I never saw the check to endorse it. The FBI & Secret Service brought this to my attention. XXXX XXXX stamped my check with Principle with NFS stamp to deposit only. The amount of the check is {$280000.00}. A fraud account was set up for XXXX XXXX. The amount was for $ XXXX.The XXXX Family was given the paperwork by Attorney XXXX XXXX after I filed bankruptcy in XX/XX/XXXX. Another account was set up for XXXX XXXX XXXX. The account number created by XXXX XXXX is XXXX.
Product: Credit card

On Wednesday, XX/XX/XXXX, I received an email from XXXX requesting that I confirm my residential address. The address on Capital 's file is NO longer my residential address and has NOT been my residental address since XX/XX/XXXX. I called Capital One ( XXXX ) XXXX, to update my current address. I stated my current address. I explained that I have NEVER received my replacement card ( XXXX ) for neither of my expired credit cards. I have encountered this situation numerous times with CapitalOne respresentatives, Capital one automated system states I was mailed/Sent a New Card ( XXXX ), but I have NEVER received any cards from Capitalone. I have absolutely NO idea where Capital One mailed/sent the cards. It is ironic that Capital One has absolutely NO problem accepting my on time Membership payments. The security is OVER Kill!!!! I feel it is discriminatory practice against me a XXXX man. 
This must be shared with others, to determine if in fact discrimination is involved. I do not engage in corruption/fraud activities. I have kept my accounts in good/excellent standing.over 10 years.
Product: Debt collection

This people called consecutively XXXX times a day, XXXX  days a week, with XXXX regardless of the time or day or night.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accord accordance with the federal credit act XXXX XXXX has violated my rights. 
15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15U.S.C 1681B 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.
Product: Money transfer, virtual currency, or money service

wanted to send money to my XXXX XXXX account for investing and it would not let me.
Product: Credit reporting or other personal consumer reports

I am seeking your support regarding the false account reported on my credit report, as it has negatively affected my reputation. Your errors in managing my credit report have put me in a difficult position, and I am asking for your assistance in correcting this. It is crucial to remove these errors so I can live comfortably with my family.
Product: Checking or savings account

On XX/XX/year> I got paid at XXXX at night XXXX an hour later I checked my account and my money was taken out by some people that I dont know I did not authorize them to take my money out of my account they took out {$400.00} and the other {$600.00} so I called the sheriff department XXXX I reported it Ive got a case number, its XXXX I called the bank after I found this out. I discussed it with the bank and I told him I did not make these transactions. I would like my money back or I got email saying they denied my request for my money back. I want my money back I did not do this transactions.the person who took the {$400.00} her name is XXXX XXXX and the other person name is XXXX XXXX XXXX he took {$600.00} I did not authorize these people to take my money out of my account because I dont know them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had marked my loan payment as late. There policy is you can be 30 days late until ur marked as a late payment and it affects your credit. My payment was due XX/XX/year>. I paid a few days before the XX/XX/year>. I called to make the payment. The lady on the phone told me to pay online and was certain it would not affect my credit. So I paid online, she did not tell me it would take three days for payment to post. Since I was told to pay online, the payment didnt initially post until a few days later which was XXXX.it affected my credit. I was given the wrong information. I need this late payment fixed. Thanks..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint # XXXX as the credit bureau was not publishing my financial score to lenders. As already described, I have since suffered various adverse responses due to this failure to compute and to my financial scores. After investigating with XXXX XXXX XXXX Bank, where I do have a XXXX XXXXXXXX account since XX/XX/XXXX with ( statement attached ) XXXX past due since 6 years, we have got a letter dated XX/XX/XXXX ( attached ) from XXXXXXXX XXXX XXXX certifying that they do properly report to the credit bureau all my financial payments.
Product: Bank account or service

I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently was educated about credit and checked my reports. I am a victim of fraud and identity theft. a Navy federal account was opened in XXXX  without my consent and I need it removed from all 3 of my credit reports. Immediately. Thank you and God bless.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I made some purchases on XXXX XXXX website using the buy now pay later option. I received a copy of the purchase lease agreement which showed the total balance for the items I purchased and the total balance including interest and disposition fee, which was {$89.00}. The total value of the items was up to {$1100.00}, but after adding excessive interest and a disposition fee, the balance I owed was {$2800.00}. 

However, the original creditor sold my lease agreement balance of {$2800.00} to the XXXX XXXX XXXX. Unfortunately, they added more fees and excessive interest, and now the balance they're reporting on my Equifax credit report is inaccurate. They're claiming that I owe {$4000.00}, which is not correct.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Payday loan, title loan, or personal loan

I tried to schedule a pay off for my loan to pay it off early. I was given a pay off amount of {$1700.00}. I scheduled this payment and it processed on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, three weeks later I am being billed an additional {$320.00}. I have been on the phone with two representatives who can not tell me why I am being charged this amount three weeks later. They are further telling me I owe an additional {$120.00} and that the representative I spoke with regarding my pay off amount gave me inaccurate information. I have been on the phone so far for 52 minutes trying to get answers and am concerned my account is going to be continually billed for amounts I am unaware of.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately in my report : 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: Mortgage

I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!
Product: Checking or savings account

On XX/XX/year>, I received a call from XXXX, a number identified as Chase Bank ( and while I was listening I verified through a XXXX search that it was indeed a Chase number ). I was told my checking account had been compromised and it would be necessary for me to follow instructions to void two transactions. Being preoccupied with my job at the time, but feeling assured it was a call from Chase, I followed directions and transferred {$1200.00} to XXXX. I was told to type the word Void and then transfer another {$280.00}. Once I did this, the caller hung up and I realized I had been scammed. My account then showed a XXXX balance. Within half an hour, I called Chase customer service to file a claim/complaint, as well as speaking to my local Chase bank manger in person. Chase opened a claim. It was denied because they said I willingly authorized the XXXX transfers. I feel Chase should reimburse me because in a XXXX search I found that for over 15 years other consumers have mentioned this same Chase number had scammed them. ( if needed I can provide a list of sites in support ) Chase is not accepting any responsibility and have never notified their customers to be aware their number was being used by scammers. In addition, Chase did nothing to address the issue of the bogus phone number.
Product: Debt collection

Unlawful Debt Collection Practices : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX. Despite the FDCPAs requirement to respond within 30 days, I received an inadequate response 53 days later, on XX/XX/year>. 
They failed to provide the necessary validation of the debt, violating 15 U.S.C. 1692g ( b ).