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

On XX/XX/year>XXXX  Bank of America charged my " Business Advantage Fundamentals '' account a {$40.00} fee for " excess transactions ''. Upon going to the branch and calling, I was told that as of XX/XX/year>, there was a new limit on the number of checks that could be cashed in a business account, and that limit was now 20 checks. All checks over that limit are now charged a fee of XXXX cents. The representatives said I was alerted to this change via email, which I was not, and then said that I should have read the disclaimer verbiage change in my most recent monthly account statement online. This change was slipped into the fine print and is, in general, an extremely unfriendly practice towards small business clients. For a business that receives hundreds of checks in small amounts, why should we be required to pay Bank of America XXXX cents to deposit a check?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Product: Credit card or prepaid card

On XX/XX/2023 I was on the XXXX XXXX website purchasing three airline tickets for {$1100.00}. When it was time to pay there was a credit card offer showing to apply for an XXXX XXXX XXXX card with Citibank. The offer stated I would receive a {$400.00} statement credit. I clicked the button and a new window popped up. I started to fill out the application and the website said it looks like you are already a Citi cardholder and to sign in to make the application faster. I did that completed the application and was approved. However, I was never given a button to click or anything to go back to the XXXX XXXX site to finish paying. I also never received a virtual card either. I did receive email stating I was approved. 

I had to pay for the tickets, or I would lose them. So, I decided to use my other Citicard so I could show Citicard I still used their company to pay for these tickets. I called XXXX XXXX to tell them what happened. The blamed Citibank and transferred me to them. After being on hold for 30 minutes, Citibank said they can not help me and blamed XXXX XXXX. 

About a week later I received my card. I called XXXX XXXX and explained what happened and asked them to put the airfare on the new card. They said they can not. I then called Citicard and they said I have NO statement credit offer at all and there is nothing they can do! 

I know the marketing department at Citibank knows what offer they were advertising and can easily find out if the {$400.00} statement credit was offered on the XXXX XXXX website on XX/XX/2023. Citibank can also look at my other Citicard ( Costco ) and see I paid for the airline tickets on XX/XX/2023. 

Bottomline, I would NEVER have applied for this card if they had not put this amazing offer in my face on their website stating that I would get a {$400.00} statement credit if approved. I was approved!
Product: Checking or savings account

on XX/XX/XXXX  my card information was leaked and i had about {$2600.00} taken out and all the items were purchased in my city and at places ive never shopped at before so i decided to make a dispute and after about 2 weeks i got a letter saying there was no error and that i authorized the transactions so they denied my dispute and i have no idea what to do thats not a just a little bit of money to lose
Product: Credit reporting or other personal consumer reports

Details of Fraudulent Transactions : The following charges are fraudulent and must be investigated : Date : XX/XX/XXXX Amount : {$1900.00} Merchant/Description : Raymour & Flanigan I have identified duplicate charges for the same item on my account, dated XX/XX/XXXX, and XX/XX/XXXX. This is a clear error, as the item in question was delivered to me only once. Upon requesting documentation to substantiate the second charge, I was provided with records containing a signature that does not match mine. I do not recognize or authorize this duplicate charge, and I am requesting a thorough investigation and the removal of the erroneous charge from my account. 

They charges for item that a the time Reported the issue to Raymour & Flanigan/TD Bank customer service on XX/XX/XXXX. 
Verified that my signature was fraudulently duplicated and added to the documentation provided for the entity as a constant of prof.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please remove immediately
Product: Credit reporting or other personal consumer reports

Law FCRA Section 605B Inaccurate late payment reported on my credit. My car loan was paid off in full early. There is 0 late payments.
Product: Credit card

This is about a Macy 's Department Stores National Bank card. I changed my address a year ago and they still sent my new card to a previous address. I was unable to register the replacement card online or over the phone. They never sent me a paper-bill for the new credit card until I called to request it. I mailed a letter to them on XXXX XXXX 2016 canceling my account and requesting a final bill. They sent me a monthly statement belatedly and charged me a late fee. In anger, I cancelled my account on XXXX XXXX 2016. On XXXX XXXX, 2016 I called and my account is cancelled but they had no intention of sending a letter to confirm the cancellation until I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern on XX/XX/year> I called in to specifically. to speak with the Fraud Department which as a consumer who has an identity theft report on file!! I have that right as my file is handled by a specialized team!! The agent was very rude, I hope that all calls are recorded and I hope that a Supervisor will listen to this call the call ended at XXXXXXXX XXXX PST when the representative hung up on me and REFUSED to provide the customer service that I asked for!! This is a very serious matter!!! As I have two bankruptcies appearing on my credit report that are not mines!!! You cant even legally file that close together so they should know this is an error of a lie!!! Transunion has a copy of my police report, my identity theft report, all documents from the Nevada Bankruptcy Court stating that they didnt verify anything!!! That Transunion violated 15-USC-1681, 1682, 1681A2B, Transunion is in Direct Violation of : 15-USC-1681nB - A consumer reporting agency knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.. 
yet its been proven that : Bankruptcy:XXXX Bankruptcy : XXXX Does NOT belong to me!! Transunion stated verbatim they received this information from Nevada Bankruptcy court I have documentation on file directly from the court house stating they never verified anything at all with Transunion as they dont at all verify anything with the credit bureaus therefore this false information that Transunion is reporting is fraudulent!! this is an error or a lie..! 
Nevertheless, I am demanding both of these fraudulent bankruptcies are deleted immediately!! I also have an FTC on file as well as a police report Transunion has the documentation as I have been in full cooperation yet they are refusing to delete it! Also they have horrible customer service!! I sincerely hope that a supervisor will listen to that call, I even asked for a supervisor call back and the agent hung up in my face!! How rude, an awful reflection on Transunion as a company to hire such disrespectful agents I am demanding that these bankruptcies are deleted immediately!! I also am requesting a supervisor call back my number is : XXXX If this fraudulent information is not deleted immediately!! I will contact my attorney this is not mines and I have sent everything in its no way they could be honestly doing their job because they will not its not mines legally you can not file bankruptcy that close together!! Please please delete these fraudulent bankruptcies at once! I have also enclosed a screenshot of how long the agent and I were on the phone!!!!

15-USC-1681b, 1681, 1682, 1681A2B Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on Friday XX/XX/year> I got an email from Experian that the results of my dispute were ready. I have not recently submitted a dispute so I don't know what they're talking about. Experian won't let me log in to view the dispute however. 

As usual, Experian 's website fails to allow me to sign in. It gives an error " we were unable to process your request '' and says they're aware of the issue. This is a constant problem that happens more often than not. They provide a phone number that only allows for limited interaction with an AI chat bot that just refers me back to the broken website. They provide no access to a human representative or even a way to email them about the broken site.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681. 

I requested that XXXX, TransUnion as well as XXXX to re-investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated that everything was complete and accurate. How is that possible if open dates, dates of last activity are incorrect. They also neglected to provide copies of originally signed contracts. According to 15 USC 168i ( 5 ), they are required to modify accounts that are not reported correctly. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 602 ( a ) ( 2 ) states that a Consumer Reporting Agency can not furnish an account without written instructions. 

15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states that no Consumer Reporting Agency may make any consumer report containing any of the following items of the information, any other adverse items of information, other than records of convictions or crimes which antedates the report more than seven years. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any Consumer Reporting Agency in the person knows or has reasonable cause to believe that the information is inaccurate. 

Lastly, they are not in compliance with Metro 2 Credit Reporting
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a used auto financed through Global Lending. Monthly payments were made in the amount of {$390.00} during XXXX. So in XXXX I made a balloon payment in the amount of {$4000.00} and requested that this payment be credited toward the principal balance. As of XX/XX/XXXX this has not happened even after at least 3 phone calls with various customer reps. If this had been done as requested I would have saved over {$1500.00} in interest charges alone. Isn't this illegal. One attached document shows {$3200.00} as a credit.
Product: Vehicle loan or lease

I got an auto loan through Global Lending Solutions. I didn't know but they are predatory. The original loan amount was {$22000.00} at like 21 %. It was supposed to be for 5 years. Somehow it went on for 6 years. I paid every month and maybe was late like 2 or 3 months but not bad. It went on and seemed like they weren't applying payments. When I paid it all off, I asked how much in total I paid, and they said {$38000.00}.
Product: Credit reporting or other personal consumer reports

I do not have an account or any knowledge of XXXX  XXXX, ACCT # XXXX, and it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately. I do not have an agreement or contract with this company, and am at will to sue. '
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>XXXX  I submitted a request to remove an address that I no longer have access to and an employer that I no longer are employed with. I recently pulled my credit report both XXXX and Experian are currently reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. Transunion has fixed these errors but I am still waiting on XXXX and XXXX  to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Product: Checking or savings account

Around or about the middle of XXXX or mid XX/XX/XXXX, I requested that Wells Fargo not pay a fraudulent charge in the approximate amount of {$600.00} that was charged to my non profit account XXXX  a XXXX  XXXX XXXX. Wells Fargo reversed the charge however upon consulting with Wells Fargo 's business checking unit, I was advised that the charges hadn't been reversed. The customer service representative made the reversal while I was placed on hold. When she came back to me, she informed me that the funds had been restored back into my account. I thanked her however, to my surprise approximately a month later I received a letter from Wells Fargo saying that my account was over drafted approximately {$550.00} and that I owed the bank the money back that was restored to my account. Upon consulting with Wells Fargo 's business unit, they informed me that that the bank made a mistake and was demanding the money back. When I couldn't pay for their mistake, they eventually closed the account that I had with the bank since XXXX. Wells Fargo did not offer me a monthly payment plan but instead use strong arm tactics and close my account due to their mistake. I would like a chance to re-open my account under fair terms.
Product: Debt collection

I have credit collection service who contact me for me a debt that I dont know about and also mentioned that they will report it to my credit I dont owe them or progressive select insurance. 
Please upload prove where and when i signed for this debt and payment history for the debt. Please send me the the contract where i signed for a third party to contact me or send me where i signed that I owe you money. Send me the disclosure you and progressive sign that you own the debt or you buy the debt I need XXXX signatures you, progressive and my signature on that contract.
Product: Credit card or prepaid card

Car was towed illegally as a tactic used by landlord to force my family and I to break lease. As we've learned ( the hard way ), he has a reputation of using underhanded tactics like this. There was no posted information about towing and no advance warning, which are necessary to legally tow a vehicle in XXXX XXXX. The substantial discrepancy between prices mandated by XXXX XXXX MTA code ( XXXX XXXX XXXX ) and what I was " charged '', in addition to my confrontations with the tower, suggest that he may be in racket with this particular towing company. 

If we look to the SFMTA code, we see that for first offences its {$220.00} plus {$65.00} per day the car is on the tower 's lot. I was " charged '' for more days than it was actually on the lot, at some crazy rate inconsistent with SFMTA code, resulting in a whopping difference of {$400.00}, XXXX {$900.00} vs. ~ {$1300.00}. I had left for a week and a half long business trip ( which my landlord was aware of ) and almost immediately after I left the car was towed ( again without legally-required warning ). This wasn't some small, innocent error. 

When it comes to getting your car towed, you have no choice but to pay whatever they tell you to get your car out. No choice. Or else the price keeps going up and up. I knew this was an illegal tow and I quickly identified that I was being extorted when the tower presented me the bill, after having done extensive research beforehand. I confronted the tower about both the illegal tow and how he was clearly overcharging me and I was told " do you want the car out or not? '' I had no choice to pay, but pay I did. I considered paying cash but I remembered that my credit card issuer protects me against fraud like this. I paid with credit and when I got home, I immediately submitted a chargeback request for the full amount, briefly touching on some of these points to the extent I could with the bank 's limited interface. I identified the charge, told the bank I confronted the tower in person ( multiple times ), and awaited a favorable ruling. 

But checking my credit card account today, I see that the temporary credit the bank granted for the fraudulent charge has been removed. I am expected to pay the full amount. 

Anyone in my situation would agree this is utterly unacceptable, hence my pursuit of further consumer protection with you, the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from Possible Finance Inc threw XXXX XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, XXXX, and XXXX 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. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
Product: Credit card

Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX