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

A criminal created a fraudulent transaction that triggered a text from Bank of America on my checking account for {$53.00} from XXXX. I immediately received a phone call from Bank of America fraud department asking me to login to online banking and my account was indeed frozen. The fraud employee walked me through the screens to contest the charge and said he would reissue my debit card in a few days. He then proceeded to tell me a wire was also pending in the amount of {$9100.00} and I needed to reverse it and walked me through the steps to do that. This person instead used this functionality to send a wire in my name to XXXX XXXX. I immediately realized it was fraud and called Bank of American fraud like as soon as I got off the phone and raced to nearest branch. The fraud line did not answer for 45 minutes and then told me there system was down to recall wire. The branch XXXX was helpless. They told me to call back in 1.5 hours - again I waited 45 minutes for someone to answer. 3 hours after the incident one of the employees attempted to find the transaction and recall. I told her it was not acceptable that Bank of America can immediately initiate a wire from a criminal on a blocked account but they can not recall a wire until three hours later. She said the wire was complete and they bank is not liable - I threatened a lawsuit for the wiping out of my checking account by a text initiated from Bank of America. She pretended not to hear me, waited for me to stop speaking, said excuse me but she couldnt hear me and hung up the phone. Three days later I still do not have any information on this issue. I had to call XXXX myself to attempt to red flag the account given to me by the criminal. There was no KYC or financial crimes procedures followed to immediately stop this wire. The fraud line did not work, the branch XXXX was helpless and a system that can instantly send wires for criminals was down to customers to attempt to stop this criminal did not work for hours. All wires on my account should have been frozen once the initial fraud was notified by Bank of America. I would like a response since all my money has left my checking account.
Product: Debt collection

On XX/XX/2021 a credit card from capital one bank was opened for XXXX dollars amd this was not me and now it is on my credit effecting me and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Infosystems is reporting fraudulent and addresses from states Ive never lived. Theyre reporting fraudulent traffic citations in XXXX, GA, and fraudulent criminal charges from GA. I recorded my conversation with the Director of Compliance, XXXX XXXX. He has informed me that I applied for a position that used Sterling Infosystems in 2016, that matched an address in CA. Please review the audio recording. You will also find that he gave his authorization to be recorded. Sterling Infosystems is passing along fraudulent information to an employer. According to XXXX, they use, proprietary database from their company. This is a database wherein they search addresses associated with an individual. Their actions are not legal. Their actions violate FCRA regulations. They use pointers. This should be illegal. It hurts potential candidates.
Product: Credit card or prepaid card

On XXXX XXXX I had a negative balance of XXXX. I added XXXX to leave XXXX negative. Chime had it at XXXX negative. I message thru their chime bot and nothing. On XXXX XXXX I was charged XXXX for a game I do play and buy coins for but Not that transaction. Once again nothing. Never no mentioning of refunding my money but was told my card will be disabled due to it being compromised. I responded back DO NOT DISABLE my card, cause it was not compromised. Chime refused to refund the money and wants to hide the fraudulent activity the company has going on by disabling my card with my money on it that I use to pay my bills. I would like to file an civil suit against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax account can not be accessed. I repeatedly ( for several weeks now ) get the same error message stating they are temporarily unable to process this request. Please try again later. I have tried many times. I have called Equifax 3 times. Twice I was literally hung up on by their automated service. Once I was able to speak to someone that barely spoke English. She had said I would receive a code by email to reset my account. That did not happen. I do not know how to get my account back. Considering our household has been the victims of financial fraud twice in the last 12 months, it is importatnt to be able to monitor our credit reports. I do have access to XXXX and XXXX without any problems.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit and would like them to be removed from my credit file immediately..
Product: Credit reporting or other personal consumer reports

These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Product: Credit reporting

I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying.
Product: Debt collection

XX/XX/2022 and account number is XXXX. I was patient last XX/XX/2022. 

I already have two health insurance and found out that XXXX XXXX XXXX XXXX forgot to add my health insurance : the health plan insurance including XXXX XXXX 

XXXX XXXX XXXX XXXX informed me not to pay debt owing and fixed it up.
Product: Debt collection

I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and received a quote for XXXX   service. It was stated as a 2 year contract and I verbally agreed. I was not present for the installation and have never signed any documentation with XXXX. Because of the difference in prices from competitors I chose to stop using XXXX XXXX service. I was then sent a bill and told I owed XXXX the balance of an 6 year contract that I had signed. That was in XXXX and it was the first time I had heard anything about a 6 year contract. There was a dispute but XXXX could not provide any documentation that I had signed that stated this 6 year contract. XXXX then said they agreed and my account was canceled and I did not owe them anything. XXXX XXXX with XXXX said on XX/XX/XXXX that I had a {$0.00} balance and even sent me a quote for a new contract at a discounted rate if I would stay with XXXX   service. I have the emails. Today XX/XX/XXXX I received a letter from Perfection Collection stating that I now owe {$1500.00} and I had to pay before XXXX to avoid legal action. I tried to call XXXX but they won't speak to me. I called Perfection Collection and the lady told me that she knew what kind of person I am and I just didn't want to pay the debt. I explained that I paid my service fees and didn't owe XXXX anything but she told me multiple times " call XXXX '' even though she knows they won't talk to me, when I told her I would file a complaint with the CFPB she laughed and told me " good luck ''. She kept saying that she had a document signed by me as the contract and then provided a document that was obviously not signed by me, not even my name is signed.
Product: Money transfer, virtual currency, or money service

Ive been using Zelle for a couple years and Ive sent money a long time ago by mistake and couldnt get help on getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several XXXX XXXX  accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
Product: Credit reporting or other personal consumer reports

Equifax has an account from XXXX XXXX on my credit report. I request that Equifax delete the following information on my credit report as of, which I believe to be inaccurate, incomplete, and/or outdated under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e and 15 USC 1681i . This account was charged off and the company never sent me the necessary paperwork for the charge off.
Product: Debt collection

Received a call to my cell phone which is on the Do Not Call list for a debt that is n't even mine. 

Premier Portfolio Group XXXX Every time I asked for information she would get loud and hang up on me. Then started threatening me with legal action because I would call back. 

Thru internet searches I have found numerous complaints of harassment about this company.
Product: Credit reporting or other personal consumer reports

This complaint addresses ongoing violations of the Identity Theft and Assumption Deterrence Act, the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant Texas statutes. Companies are failing to safeguard personal data, resulting in unauthorized use of identifying information. These breaches directly violate federal and state laws designed to protect consumers from identity theft. The companies ' inadequate security measures, failure to place fraud alerts, and improper information sharing practices demand immediate investigation and enforcement of penalties as outlined in these laws. XXXX XXXX XXXX XXXX XXXX XXXX, NO XXXX vs. XXXX XXXX FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Filed ( XXXX XXXX ). FCRA Section XXXX ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
Product: Debt collection

On XX/XX/2024, I was contacted by Sequoia Financial Services by mail. They claimed that I owed them {$110.00}. 

On XX/XX/2024, I replied to the company by mail. I informed them that I did not owe this debt and requested them to cease communication with me. I informed them of my intent to file a compliant if they did not cease communication. 

On XX/XX/2024, I was contacted again by mail by the company claiming that I owe this debt. They changed the amount of the claim and now claim I owe {$110.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a flight scheduled for XX/XX/XXXX using miles valued at {$2300.00} using Chase Bank 's travel portal. On XX/XX/XXXX I was informed by the airline that the flight was cancelled due to the pandemic. I reached out to them regarding a refund but they stated since the booking came from Chase, I had to reach out to them for a refund. On XX/XX/XXXX I spent 2.5 hours on customer support with Chase Bank, who repeatedly told me they could not refund me without the airline 's consent. I informed them of a DOT Enforcement Order issued on XX/XX/XXXX ( https : //www.transportation.gov/sites/dot.gov/files/XXXX/Enforcement % 20Notice % 20Final % XXXX % 203 % 202020.pdf ) that stated I am entitled to a refund. They stated they could not do it. My wife and I have been emailing back and forth with a banker at Chase to try to get the 2 entities, XXXX  XXXX XXXX and Chase Bank, to talk to each other. This has also not been successful. I am now attempting to file a complaint as a billing error under USC Title 15, Chapter 41 Subchapter I Part D Section 1666 ( b ) ( 3 ) ( https : //uscode.house.gov/view.xhtml? req=granuleid % 3AUSC-prelim-title15-chapter41-subchapter1-partD & edition=prelim ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

Coinbase ( coinbase.com ) is a public company. They deal in crypto currencies. 
Like stock exchange XXXX of people have accounts with them dealing in online buy and sell of cryptos. 
The company does NOT have any proper customer support option on website. An AI bot is their with pre fed up questions with limited scope. 
As they deal with public money and trust, it is requested to make available a human customer representative to assist clients based on their urgent needs. 
The company may have a human customer support representative But it is impossible to get to him through website for an common person. 
Kindly request this multi XXXX company to re-visit their customer support functionality as they don't have any physical reach out offices for face to face interaction. 
Regards
Product: Credit card or prepaid card

lied to me several times kept telling me the only way to pay my bill was through a bank account after I told them my bank wouldn't allow it and also lied to me after they took money from me and told me the only way they can give it back was through a check but replace the funds back in my account a couple of days later saying I don't owe them a balance closed out my account and said I owe them XXXX $ and that they would take XXXX to close it but I recently had sent money to them and they sent it back saying I didn't owe anything they also reported me to credit bureaus saying I was late but they never sent me bills. they also made a statement where I pay in full all negative will be removed but they lied about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX XXXX  XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy. 
Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

I have tried many times to get TransUnion Credit Bureau to remove a collection from my TransUnion credit report. They continue to have a XXXX XXXXXXXX XXXX XXXXXXXX collections on my credit report that XXXX XXXX admitted to was an error. I contacted the XXXX XXXX XXXX and they had XXXX XXXX contact TransUnion to updated and remove the information from my credit report ( twice ). But TransUnion Credit Bureau refuses to remove the inaccurate information. And has not given me a reason of why when I did dispute the collections. TransUnion would not tell me what the letters stated from XXXX XXXX to remove the information for my credit report said. 
This has caused a tremendous effect on my credit that was prefect before this. I have never missed any payments and have had credited for over 22 years. I am a XXXX  in XXXX  XXXX  and this matter is causing me great stress because I have been going back and forth with TransUnion since 2022 of last year. Please help me with a solution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX its not on XXXX but its on XXXX   and some hard inquiries I want you off
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number:XXXX  has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a dispute with XXXX XXXX XXXX XXXX months ago. I received a letter from XXXX that the loan that is reporting in the amount of {$6600.00} ( as a charge off ) and negative will be removed and deleted off all 3 credit reports. I submitted this letter to all 3 credit reporting agency 's as well. Yesterday XX/XX/2020 I received an updated credit report from XXXX stating the information is reporting correctly. This is completely wrong! That negative information from XXXX XXXX  XXXX XXXX XXXX was to be deleted according to there letter. It has been months now and it's still not deleted. I have been more than patient in trying to resolve this problem as having this report on my credit reports is causing me a hardship with my credit score. I tried disputing it again with XXXX but they will not accept another dispute. I was told it has been disputed already and will not allow me to re-dispute it. I have proof from the bank it is going to be removed. This is so wrong.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and it seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I talked to someone at XXXX  informing them that I have inquiries that needed to be removed. They said they will do it and it should only take a few days to update. Its been 3 weeks. 


I also called them about the letter of dispute about the XXXX late payment being reported on from the account XXXX XXXX account # XXXX I have Never been late on this account! I called the company and informed them of the mistake and they said it will be updated. I called experian and they said it will be updated.