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

This happened on XX/XX/23 once for XXXX dollars, it also happened on XX/XX/23 for XXXX, XXXX, and XXXX several times when my credit card was charged from XXXX XXXX mobile. I tryed to reach out to XXXX but got nowere because im i dont know what these google charges were from. I do have a XXXX account that i use only to back up my photos i checked my XXXX account and i did not see any of these transactions in my account such as subscritions or play store purchases.When i looked up the merchant XXXX XXXX mobile i saw similar complaints about unautherized purchases, i tryed to contact them about the purchases and got nowere. I had contacted my bank write when i saw these purchases, i am always checking my balance because this is my income card for XXXX for my rent and other bills monthly. I had just recieved my first child survivor bennifit days before of XXXX dollars so i new that i had money on my card. I was watching a movie at my moms house that weekend because every weekend i spend at my moms with my son to do laundry.So we had watched the movie and i decided to order some doordash for dinner, tryed to place my order several times and my card would not go through. i was confused so i checked my bank card app and my balance was XXXX dollars and then i saw all the pending purchases from XXXX XXXX mobile.I immeditly called my bank card to disput these unknown charges that i did not authorize.the women on the phone was like oh my got there are so many charges. so i was sure they were going to help.They did not after about a week i got the paperwork saying the denied my disput.They said the transactions were not unauthorized that i must have made them. I was very upset at this point so called them back because they didnt even give me a option to apeal the decision, they told me to email them an apeal letter and i did. Never heard a thing back, so i called again they siad my case was closed and that i needed proof i was in jail or the hospital at the time, i was confused. I called legal services they said to try attorny general they said to try consumer finacial protection. I just want my money back i did not make those transactions. I dont think that the people on the phone at direct express were trying to help me.I have had to disput a transaction before and did not have a problem, i thought i had a right to my own money. ther were about XXXX transactions in all some were XXXX, XXXX, and XXXX all from XXXX XXXX mobile.I dont want this to happen again that was alot of money that was taken off my card and i want this resolved. it was my sons survivor bennifits i dont undrestand. I dont have any proof of anything because i dont even know what XXXX XXXX XXXX is. i Looked them up but i am still confused why i would drain my own account and leave me and my son broke for the rest of that month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, XXXX XXXX XXXX incorrectly reported my credit card account to Experian as being charged-off. This apparently happened to hundreds of thousands of XXXX XXXX customers at the same time. 

XXXX XXXX services claims that this error was corrected a few days later but it has caused lasting damage that can not be cured under their mandatory arbitration clause that requires XXXX  of dollars in filing fees. 

As a result of this incorrect report, hundreds of thousands of their customers had substantial credit line decreases on other bank credit cards held resulting in higher utilization rates on those cards and lower credit scores. 

The damage XXXX XXXX XXXX has done is enormous and a short apology by their representatives is not enough. They need to be held accountable by the CFPB and other agencies the US government including the bank regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Product: Checking or savings account

I opened a citi checking account in last year over phone after seeing an sign-up bonus for their checking account of XXXX dollars if I were to deposit {$10000.00} dollars within first 30 days and hold it in the account for the next 60 days. After I fulfilled the condition ( putting in {$10000.00} dollars and holding it in my account for more than 60 days after the first 30 days, I called Citi asking if the condition has indeed been fulfilled. The rep answered in the affirmative and that I can withdraw the cash now the condition has been fulfilled, he explained that I am not seeing the sign up bonus probably due to the fact that I perhaps have a missing form ( I can not recall what form it is ) and that I will be sent it through mail. It has been more than 2 months after that interaction and I still have not received my XXXX dollars of sign up bonus, nor have I received the form. And Citi has removed mentions of the sign up bonus from its website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my credit report with Equifax. It states report locked for promotional purposes. I have requested that they remove it several times. Also none of my accounts shows up when in fact I have a mortgage and other open accounts that would increase my credit score. 
I have submitted dispute online about this issue at least 5 times, I have called into the agency at least 10 times. I have written them. Still no response and no correction. This is keeping me from getting mortgage refinanced or obtain other loans. 
We should have start a class action lawsuit against Equifax so they respond appropriately. Seems like a monopoly to me.
Product: Money transfer, virtual currency, or money service

Cash app XXXX  was stolen from me Right before XXXX
Product: Checking or savings account

Dates : XXXX Actions : HSBC Bank USD , N.A . Close my account
Product: Debt collection

Portfolio Recovery is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Account # s XXXX/ XXXX/ XXXX This company is reporting the amounts of $ XXXX/ $ XXXX/ $ XXXX/ $ XXXX/ {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on multiple occasions and asked to provide details and verification on medical collection account there are reporting not only does this account not have a name of the creditor that is reporting this alleged medical debt but i asked for the original contract of services in question. I have not been provided with any information to alleged debt or any response to the validity of this and this which violates my privacy and HIPPA rights. I would like this account deleted as it violates my Privacy and HIPPA rights. The debt is under {$500.00} to me understand any medical debt under {$500.00} should not be reporting on your credit report. 

Original Creditor : ) Equifax Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$350.00} No. of Months ( terms ) : - High Credit : {$350.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX Date of Last Payment : -
Product: Credit card

I called capital one on XXXX/XXXX/2016 because there was XXXX in unauthorized charges. They asked if I knew a XXXX XXXX. I have never heard of this person and all transactions were in South Carolina and I live in XXXX. A month later the charges were still on my account. They NEVER opened a fraud case. So they finally opened one 2 months later. But instead of refunding the money they double charged it. Ive called five times!!!! They cant get this fraud right! I know crap happens but fix your mistake.
Product: Credit reporting or other personal consumer reports

My information was leaked in the data breach over the past few years a few of times I just want things to be straightened out the correct way on my credit report including Mississippi child support reporting agency is incorrect and I will be greatly appreciated if things could be fixed correctly because I think its unfair to report child support on a credit report
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX  Account name : XXXX XXXX, XXXX # XXXX, Account name : XXXX XXXX, XXXX # XXXX. Account name : XXXX XXXX XXXX XXXX XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX, XXXX # XXXX account name : XXXX, XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I attempted to pay my mortgage today XX/XX/XXXX. I was told they could only take my XXXX and XXXX payments together. I was also told this would hit my credit regardless and there was nothing I could do. I paid the first of XX/XX/XXXX for the regular payment amount and it did not effect my credit. They are forcing me to take a hit on my credit and as of this day I am not 30 days behind. The 30 day mark would occur the end of business tomorrow XX/XX/XXXX. They took away my option to pay online and over the phone with no help what so ever to avoid the delinquency. I am now forced to mail it off and be 30 days behind because of the refusal from multiple people at the XXXX XXXX XXXX specifically XXXX who had no solutions but to give her XXXX over the phone right then. I have other bills and children to feed as well this is not a realistic plan. They did not care to hear any of it. All interactions occurred today XX/XX/XXXX between XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

It is official oppression to deny Man his own inheritance that which he has unlimited rights at any given time. If a trustee infringes on his rights and puts up barriers to prevent that Man enjoying the benefits of life then that trustee is committing Trust Fraud, Banking Fraud and are falsifying information which could cause damage, loss and harm to the Sole Beneficiary/General Executor. If the trustee hides or conceals information from that Man who is the Sole Beneficiary/General Executor over his estate then that trustee has engaged in Trust Fraud , Banking Fraud , Securities Fraud and for falsifying information. This applies also to providing the beneficiary with full disclosure of all transactions pursuant to 15 United States Code 1601 ( a ) informed use of credit. Its a crime to have me come out of my pocket to purchase something when my indemnity insurance card and security instruments invested in the transaction paid for my XXXX XXXXXXXX XXXX, and theres no evidence provided which proves me wrong. I operate in honor and are not attempting to get out of paying for the goods which I invested into. Anything which I purchase, I am required an itemized receipt which shows me that my item was paid for and that I should get returns on my investment. It is discrimination and defamation for employees at loan companies, all financial institutions advertising to provide loans, auto dealerships, etc. whos regulated under and by federal deposit insurance corporation to use non affiliated third parties to dictate if theyre going to do business with those same Men and Women whom if they did not exist then companies can not make earn income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$5200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I wrote to XXXX, Lexis Nexis, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A my right to privacy and per 15 U.S. code S 168B2 permissible purposes along with a copy of my updated credit report as of todays XXXX. I still have not received my updated credit bureau report ( XXXX ) and as far as I know it has not been removed off of my credit bureau report ( XXXX ).
Product: Checking or savings account

Good morning I was a sun trust customer for 10 years I was victim of fraud and stolen identity the bank decided to close my account and I had XXXX dollars on my savings I went to the branch and they told me they wont give to me my son needs a XXXX and I cant get my money back I think this is not legal they also kept XXXX from my checking please advise Thanks
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.
Product: Credit reporting or other personal consumer reports

The law clearly states : transaction between the consumer XXXX XXXX AND THE PERSON ( XXXX XXXX ) MAKING THE REPORT IS NOT INCLUDED ON THE CONSUMER REPORTS! 
A LATE PAYMENT IS A TRANSACTIONAL HISTORY, MY HISTORY WITH YOUR COMPANY. CONGRESS CLEARY STATES THAT THE REPORTING OF TRANSACTION THE EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE NOT INCLUDED IN THE CONSUMER REPORTS. YOU HAVE VIOLATED THE FCRA 15USC 1681IA 2AI BY REPORTING THIS TRANSACTION OR EXPERIENCE ON MY CONSUMER REPORT WHICH CONGRESS CLEARLY STATES IS NOT INCLUDED ON MY CONSUMER REPORTS. YOU HAVE 10 CALENDER DAYS TO UPDATE MY PAYMENT HISTORY AND OR DELETE ALL LATE PAYMENTS FROM THE ACCOUNT FAILURE TO RESPOND WITH DELETION OF THE ABOVE LATE PAYMENTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR COMPANY FOR WHICH I WILL BE SEEKING {$1000.00} PER VIOLATION : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT NON-COMPLIANCE 3. CIVIL LIABILITY 4. MENTAL ANGUISH 5. FAIR CREDIT REPORTING ACT 15USC 1681 VIOLATIONS WILLFUL NON COMPLIANCE -616 CIVIL LIABILITY FOR WILLFUL NON -COMPLIANCE ( 15 U.SC 1681 IN )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported that My Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Credit Report to Equifax via phone with an Equifax representative. 

On XX/XX/2022 I mailed a letter to Equifax Stating that my Morgage account number # XXXX with XXXX XXXX XXXX XXXX is not showing up on my Equifax Credit Report I then got a letter in the mail from Equifax stating that the disputed item is not on my credit report. 

I need my Morgage to show up on my credit report. Please help.
Product: Checking or savings account

Had fraudulent charges on my account from XXXX XXXX  for a XXXX XXXX XXXX XXXX XXXXXXXX which clearly wasnt me. The total amount of charges was {$900.00} and was made on XX/XX/XXXX - XX/XX/XXXX in XXXX transactions. XXXX admitted this wasnt me and blamed my bank for allowing the transactions. TD Bank denied my fraud claim.
Product: Mortgage

After my loan reached XXXX XXXX of the original value Roundpoint Mortgage did not automatically remove the PMI and continued to charge me for it. I had to call them to get it removed. I asked for a refund of the payments, but they have not provided a refund or any additional information.
Product: Vehicle loan or lease

Well I have had car for 2 years financed it out at XXXX at about XXXX dollars it is showing I still owe XXXX XXXX dollars payment is XXXX dollars a month on top of that I sent them a check from the insurance for about XXXX dollars with a letter stating that it was to go to principal and it still has yet to reflect because payoff is still showing XXXX and then some this is insane and to top it off they reported to all three Credit bureaus that it was in my bankruptcy when in fact I purchased it after I closed on it!
Product: Payday loan, title loan, or personal loan

I filed a CFPB complaint yesterday and an earlier complaint both alleging that BBVA had breached its Lender Agreement with the SBA in how it mishandled the processing of PPP loans under the Cares Act. Specifically, BBVA representatives acknowledged to me that the bank did not have the manpower to process the volume of applications but was not hiring new employees and that I had been told in one recorded phone call that I possess a copy of that BBVA was " not actually '' processing applications in the order they were received, which they outwardly claim they do. 

Miraculously, after sending this complaint to the legal department I 1. had my loan approved the very next day after last being told by a XXXX XXXX the day before that she wasn't even sure the loan had documents yet. and 2. was told that my account was being closed. The flimsy excuse BBVA used for closing my account was " harassment, '' a term which California law defines as : " Unlawful violence, like assault or battery or stalking, OR. A credible threat of violence, AND. The violence or threats seriously scare, annoy, or harass someone and there is no valid reason for it. '' The reason for my repeated phone calls, emails, and voicemails could not have been more valid. The health of my business was one the line, and other people I work with own nearly identical S-corps whose PPP loans were funded within a week or two of their application. My  application has been outstanding for nearly one month, and XXXX XXXX and XXXX XXXX told me repeatedly that they did not have any timeline whatsoever for my loan application. Of course I called repeatedly. 

The decision to suddenly close my account during this pandemic will cost my business thousands. I will need to pay an outside accountant to correspond with BBVA regarding the forgiveness of the loan, and I will need to endanger my health to go to a competing bank and open an account.

The closure of this account is clearly retaliatory and is BBVA trying to pull focus from the true crime here -- their gross negligence in how they've processed the PPP loans of hardworking small businesses. Despicable.
Product: Credit card or prepaid card

Problems with XXXX Credit Card account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX XXXX XXXX Account ending in : XXXX XXXX ( ... XXXX ) I have attached documents with this and statements and transactions I have been trying since XX/XX/XXXX to get return of an overpayment ( {$2000.00} ) made by my misstate of sending a {$2000.00} amount to XXXX instead of the correct credit card company. I do not get true answers to resolve this issue. 
I closed the account thinking that would help to speed resolution, it did not. 

I have called at least 5 times over the last 2 months, since XX/XX/XXXX Their only responses, 1. next billing cycle 2. XXXX were verifying the balance before refunding my money ( I received XXXX letters from them stating that. The balance is obvious. ) 3. sent check on XX/XX/XXXX ( XXXX Statement was no change. 
All responses were lies. 

XX/XX/XXXX XXXX Called Said the check was sent on XX/XX/XXXX Seems like a long time to receive another delay tactic XX/XX/XXXX XXXX Called again Same answer asked to speak to a XXXX XXXX, said the same thing The balance did not change on the XX/XX/XXXX statement so the check was not issued on XX/XX/XXXX as stated, again another lie. 

XX/XX/XXXX Uploaded this document to XXXX, have not heard anything from them ( XX/XX/XXXX ). 
The responses I have received when calling the phone number are lies, I want my money back If I was this late in making a payment, I would be charged huge late fees and incredible interest, plus negative credit reporting. 


XX/XX/XXXX XXXX Now the XXXX statement show they refunded the money on XX/XX/XXXX which is the date it was posted. 
I believe this is another stall or fraud tactic. The transaction record shows the reversed XXXX on XX/XX/XXXX. 
I HAVE RECEIVED NOTHING, except lies. 

Below are copies of the monthly statements
Product: Checking or savings account

I would be charged in regards of not having enough funds on my account, and not using my card enough times. I would be charged like {$10.00} or more because I had not enough money on my account. I was dealing with not working enough so I was struggling with money. I had to turn to my credit card to pay for everything, and obviously at some points I couldnt even pay my credit card so I was getting charged even more on my credit card.