23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Approx. on XX/XX/year> I bought an electronic visa vanilla gift card. Almost immediately my funds were stolen and I made a dispute. On XX/XX/XXXX I finally received an email from visa saying they approved my dispute. And in the email is says to contact XXXX if I had any questions or concerns. The same day I emailed that email, because within the letter of approval they had my old address. I emailed day of, the next, and 3 days later. With still no reply. 
I finally get ahold of them thru phone and they said they all ready sent the check to my old address. And suggested if I want the check to go open up their mailbox, I said no bc that is a crime. So thats twice my money has been compromised. So we change my address to my new address ( which I emailed to them at least 4 times ) they tell me to send a utility bill to their email for address verification. I did this. And got confirmation they got the email. Days go by, and I email them to check status of when I will get my check. No replies to emails. So I call again, yesterday, XX/XX/XXXX, to check the status. The agent tells me check has been processed and sent out. I ask them, to what address? They tell me an address on XXXX XXXX, when my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is the 3rd time my money has gotten compromised, 2 of those times DEFINITELY being their fault. Because they decided, instead of verify my address, being the SERVICE ADDRESS, since it is my utility bill, they sent the check to my citys municipality office where I pay my electric bill! Not only is that a third time being compromised, but it was supposed to be for verification of MY address, I gave them. So how can they be that irresponsible to literally mess up their own verification process, and verify an address I did not give them. Then I spent about 6 hours talking on the phone ( because they kept hanging up on me ) trying to file a formal complaint. Which they refused to do. And the floor manager named XXXX said he was XXXX and final step of escalation and there is nobody else I could talk to help me file a complaint. Because he said he can file other complaints but none of my complaints were eligible to file a complaint about. I asked him to let me talk to the operations team or the legal team or someone else because he was not helping. He just wanted to change my address a 3rd time and continue this flawed system of getting a victim his money back. 
Not only did they go against their own terms and conditions with time frames. They went against their core values. Being to work responsibly and work in a timely manner. My situation got handled with the utmost irresponsibility, as well as disrespect by getting hung up on many times and lied to and not being able to file a complaint. Visas whole line of work is money and they failed my money multiple times due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.
Product: Vehicle loan or lease

I Bought a car 33 days ago from a dealership in Virginia called XXXX XXXX in XXXX XXXX. till today they did not finish my car auto loan process my car registration is expired i called them over 20 times they keep lying. every one is saying something different 2 weeks ago they said the contract has been sent to Toyota financial services i called Toyota they said they have not approved or received any contract under my name. i have an emergency back home and i need to travel i been postponing my travel for the past 3 weeks because of this. they did not pay off my car yet my previous bank is charging me late fees and interest they soon will put a late payment on my credit report. 
i called the general manager today at the dealer ship and i told him i when you will pay my car off he said we don't know i said my car registration is expired he said come pick a new one i was like this is to much and want my car back he said no. 
so they are not paying my car and they are not taking my car back. 
i do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C XXXX681section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

-XXXX XXXXXXXX XXXX Account XXXX : XXXX -XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX Account XXXX XXXX XXXX -XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

XXXX  problem This account was never reported on my credit report from the time it was opened in XXXX until XXXX. In XXXX, I had XXXX late payment that I arranged with XXXX and scheduled electronically to be apx 1 week late and was advised it would not reflect on my credit report because it never had been. A couple months later I received a credit report alert because it popped up. I disputed the 30 date late at that time and it was rejected. 3 years later, my credit report shows 2 30 day late payments in XXXX ( up until this year it only showed 1 ). I also disputed which they rejected, again. 
However, I was advised by my attorney today there is a XXXX issue because if it never reported for over 12 years of being current, it is unfair and deceptive to begin reporting after XXXX late payment.
Product: Checking or savings account

I wanted to withdraw {$4000.00} from my opportune checking account. I called the branch before hand to insure that if it was available and was told yes. At the branch XXXX and her Manager said no. I called the the number in the back of my card and was told by 2 representatives that I should have been able to take the funds out and they are not sure why I wasn't. I was escalated to the executive office and spoke to XXXX. I need the calls from today XX/XX/2021 audited. I asked XXXX what the facts were ; am I able to take my funds out yes to no and she said I would have to wait to get a call back in a few days from the case manager. I am tired of my account which is a second opportunity account being discriminated against. Today I had my funds denied to me which is illegal. The funds are in my account and it my money. Customer service has confirmed that I should be able to take it out and yet I CANT. XXXX ignored my questions and simply stopped talking. She needs to be fired for lack of professionalism. This is not fair nor legal to customers who need their funds. This is an ongoing issue with Wells Fargo and the need to be investigated. I should not get different information from Wells Fargo employees. The executive office should be able to answer questions and not lie. The executive office is the most unprofessional part of wells Fargo and my calls with XXXX need to be audited, what this bank does is illegal.
Product: Debt collection

I have an old account with XXXX light gas and water. I received a collection from XXXX XXXX XXXX mid-XXXX. I set up a payment plan and have started paying. I received another collection notice about this same account from Universal collection agency in XXXX tn. Well not a notice, They report to my credit report without contacting me. I have already made arrangements to pay this with another collection agency. How can they sell the debt to two different agencies.?
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I own a 2 Family Home in New York XXXX. This is my Primary residence and the only home I own. There is a Mortgage Loan on the house, being serviced by SPS - Select Portfolio Servicing. I have been a very regular customer since the beginning. However due to COVID 19 my XXXX Business had to be closed down, from XX/XX/2020, as the whole City was shut down by the NY Governor for a few months. As there is no business I was not able to even cover the Rent for my XXXX. So my Business is still not open. I am waiting for Govt. Loan so that I can reopen the business again. And my tenants also stopped paying rent from XX/XX/2020. Despite all these severe hardships, I kept on paying my Mortgage from my Savings until XXXX last year. Since I exhausted my Savings and many of my friends were already taking Forbearance from XX/XX/2020 itself, I also applied for Forbearance. SPS gave me 3 Months ' Forbearance from XX/XX/2020 till XX/XX/2020. Since they were pressing me for starting the payments, I somehow managed to pay for 2 months. Then again I requested them for Forbearance. But they refused for the strange reason that I did not want Forbearance. How can I say that I do not want further Forbearance, when I am suffering such severe financial hardships? 
And now they are saying I have no Loss Mitigation offers on my account, which is very very strange. I am given to understand that under the CARES Act, it allowed a total of 12 Months ' Forbearance. And now with the new Federal Govt., I heard it is extended by another 6 months for a Total of 1 Year and 6 months. So how come, SPS gave me only 3 Months ' Forbearance, and then telling me that I have no other Loss Mitigation Offers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters
Product: Credit reporting or other personal consumer reports

I am requesting equifax comply with the FCRA and remove the late payments listed on my account. 1. XXXX is not authorized to do business in Minnesota. This is a violation of state law and federal law and equifax is aiding in illegal activity. Also 15 usc 1681A2 ( a ) I and I have also not aithrolized equifax to create a report on my name or likeness. This is A violation of criminal law as well 18 usc 1028 and also 18 usc 1431 i simply ask demand these late payments are removed in accordance with the law or I will be forced to get attorneys and authorities involved. Please remove all late payments from XXXX and and rapid rescore my consumer report. This is not a request for validation and any mention of validation will be considered non response and brought to court under default.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/2020 someone tried to transfer money from my bank account to my Paypal account ( to then transfer to themselves, no doubt ). They also changed the language on my account to XXXX. I did all the protection features but I can now see that someone has made my account a business account, added their name ( XXXX XXXX XXXX as a business name, added their phone numbers, address, social security numbers and Tax FEIN to my account and they aren't mine or associated with me in any way. Getting through to Paypal is near impossible to get help and I don't know what law enforcement agency to report this to either. These steps have prevented any financial loss but I want to protect my credit and information
Product: Credit reporting or other personal consumer reports

XXXX XXXX continued to charge my XXXX XXXX credit card for subscriptions that were canceled. I informed both XXXX and XXXX but they continue monthly charges. I canceled the credit card and XXXX issued a new credit card with different number. Without my authorization XXXX charged the new credit card for the canceled subscriptions. I closed the new account and logged complaints with both XXXX and XXXX. I refused to pay for unauthorized charges. My account with XXXX XXXX was delinquent and late charges with interest added. XXXX resolved the issue with XXXX and all charges plus interest and late fees were reimbursed and I owed nothing but they did not take care of the damage done to my credit report. My score was XXXX and now because of faulty information my credit score dropped to XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

When the summons was delivered to my work, it was handed to someone other than me. As I understand it, this violates HIPAA standards. I can furnish a notarized statement from this individual if need be. 

I should add, the summons was offered without a case number on the form. If it had had a case number, Or if it had been delivered by a Sheriff or someone more official, I would not have judged it as a collections ruse to scare me into complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE is reporting a balance from a charge-off account to XXXX that was settled. The account balance should be {$0.00} and the status settled to less than full. The account is reporting correctly to XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and realized that I got a hard inquiry from the company I have never heard from ( MICROBILT ) this was on XX/XX/year>. I have never seen, heard knew of this company before. That is why when I saw this, I automatically sent this over to dispute this.
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. 

XXXX XXXX XXXXXXXX : # XXXX, XXXX 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 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: Mortgage

During the process of obtaining a mortgage, Bank of America sent my personal information to an individual that is unknown to me. My loan processor said in an email that my closing documents, which include sensitive personal information, was sent to an individual that I do not know. I did not agree to let that individual to possess my personal information. My identity could be stolen as a result and I expect Bank of America to be able to protect and prevent that from happening. However, Bank of America was unable to do so and knowingly sent my personal information to an individual that has no prior connection to me. Once again, I did not agree to have my personal information to be sent to that particular individual. I have to emphasize that I do not know the person that my personal information was sent to. That should not have happened, and I 'm extremely frustrated and disappointed in Bank of America 's action.
Product: Credit reporting or other personal consumer reports

I noticed a fraudulent inquiry on my Equifax report XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I USED PAYPAL CREDIT TO SEND XXXX TO AGENT IN XXXX, I SENT XXXX MESSAGES TO AGENT FOR REFUND, I NEVER HEARD BACK FREOM AGENT, I FILED COMPLAINT WITH PAYPAL CREDIT FOR REFUND, AND FILING HERE ALSO, THE MONEY WAS GIVEN TO PERSON, I SENT IT TO AFTER I ASKED FOR REFUND FROM AGENT, THE AGENT GOT BACK THE MONEY FROM PERSON, BECAUSE I ASKED FOR REFUND, AND HAS NOT REFUNDED MY MONEY
Product: Debt collection

Cedars Business Services is attempting to collect a debt on behalf of an XXXX city, the city of XXXX. They are claiming an amount due of {$240.00} for a traffic violation, plus a fine of {$180.00}, plus a penalty of {$61.00}, for a total of {$4900.00} for a traffic violation. Cedars is also trying to collect a similar debt on behalf of the city of XXXX in XXXX. In both cities, I rented a car. In XXXX, in every other country, if there is a speeding ticket, it goes to the rental car agency and they take the payment directly from my account, plus a processing fee. So to me, this is very suspicious. Why are two traffic violations totaling nearly {$1000.00}?
Product: Payday loan, title loan, or personal loan

We obtained a loan from Dividend Financial to cover the cost of installation of a solar system. This company was recommended by the solar company, XXXX XXXX XXXX, XXXX XXXX. The finance company would accept the 26 % rebate from taxes as the down payment for the system and thus keep the monthly payment at a more reasonable rate. They started collecting this payment prior to the complete installation of the system. Additionally, XXXX installed a system that did not meet the expected outcomes. We were told that the system would decrease our utility ( electric ) bill to {$20.00} to {$30.00} per month and that it would definitely be less than {$50.00} per month. This has not come to fruition, as the electric bill has remained essentially the same. I believe that Dividend XXXX knew this was an issue and did not take any steps to protect the consumer. Additionally, I believe that XXXX knew that there were defaults in the system and continued to sell a system that would not live up to expectations. The result is a loan that I must continue to pay and a utility bill that I would have paid anyway. Ultimately, these XXXX payments result in a 300 % increase in my electric bill. The expressed payoff of the decrease in electric bill to offset the cost of the loan has not materialized. I am seeking some relief from the loan or the terms of the loan to offset the lack of realized decrease in electrical energy billing. 

XXXX has subsequently filed for XXXX XXXX XXXX, leaving us without any company to monitor our system, perform any warranty work, and without legal recourse to seek payment of damages.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.