23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My Wife purchased a money from XXXX XXXX, # XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019, she had returned to the same XXXX XXXX to cash out the money order. The department manager, XXXX could not cash out the money order because Certegy Check Services would not allow her to do so. My wife has not had an issue with getting money before. We were informed by the Manager at XXXX XXXX that we had to call Certegy and verify her information and everything would be ok. We called Certegy , they absolutely gave us the run around. They tried to give us many excuses as to why they wouldn't cash out the money order. We had explained the money order was purchased with cash, which was met with " We can not cover the cost of the money order ''. This is the same store where my wife had previously was able to get {$2000.00} in cash from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report after XXXX yrs of XXXX  I find there's alot of unauthorized fraudulent accounts appearing on my report, I'm demanding that these accounts be removed immediately.. 

1. Missouri XXXX XXXX XXXX {$7800.00} 2. XXXX XXXX  3. XXXX XXXX Co {$1200.00} 4. XXXX {$2500.00} 5. XXXX {$1200.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX  {$110.00} 8. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XXXX XXXX of XXXX XXXX XXXX XXXX NC XXXX, ShellPoint Mortgage, account XXXX last four of SS XXXX On XX/XX/XXXX I received a notice of insurance lapse from ShellPoint ( no insurance lapse happened and I can prove that ). I had my XXXX agent fax proof of insurance. After that I received a second notice and a third notice, I contacted ShellPoint and they found proof of insurance. I thought that had been handled. I requested a pay off in 2nd week of XXXX. I received a XXXX charge for forced insurance, XXXX charge for inspection fee and a XXXX late fee. I was surprised since that had been handled. I found out last night my agent sent proof for XX/XX/XXXX until XX/XX/XXXX. I didn't prove I had insurance for XXXX and XXXX of XXXX. Which I was not contacted for proof of that time period since it was in XXXX and my insurance renewal runs from XXXX to XXXX. The XXXX inspection is fraudulent too, no one came out to my home. I'm always home and I have cameras. If it was a drive by picture why charge so excessively. I highly doubt anyone came out, I'd like to see these " photos ''!!! It's been a nightmare with ShellPoint, I'll make a payment and it does not credit to my account. I've had to email a screen shot of my billpay payment 3 times. Incompetents, lack of training or thievery? If I had made a money order payment and lost my receipts I'd be out of that money. I don't have extra money to make repeat payments! I'm not the only one having problems with ShellPoint Mortgage. Their reviews are 1 star. Please investigated this company!
Product: Credit reporting or other personal consumer reports

So about XXXX XXXX ago XX/XX/year>, I tried to apply for a XXXX credit card, but I got declined and after that, I got a letter from XXXX saying I got declined due to suspicion of identity theft. so I called XXXX to have an inquiry about what it means and they said it couldve been because I just moved into a new address so I should wait and try again fast forward fast forward today. I got a call from Discover customer service or fraud department saying my account is under investigation for suspicion of identity theft so this means this is the second time Im hearing this. Prior to that, about XXXX XXXX  ago my bag was stolen and I lost my wallet phone and XXXX. I was advised to place a credit freeze on my credit so I did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The Experian and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Experian Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX XXXX Balance : {$6300.00}.
Product: Debt collection

This vehicle was repossessed by Westlake Financial in the State of Texas on or about, XX/XX/2019. 
I was not sent notice as to where my vehicle was sent, the amount owed, when and where it would placed for auction, and the sale amount. I have sent multiple letters to the creditor with no response yet they still report it to all 3 credit bureaus as a debt owed in the amount of {$18000.00} and {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes and complaints with all 3 credit bureaus and have gotten none of the issues resolved. My report has multiple accounts that are blatantly incorrect and I would like them fixed immediately
Product: Credit reporting

I do not owe any debt from Creditor " XXXX '' and never get any call for " XXXX XXXX XXXX '' Collection Agency but I see collection added to my Equifax Credit Report. I tried to contact collection agency but did not find proper information for contact. It seems to be fraud alerts. I did not find any way to dispute with Equifax for this fraud alert. Please escalate it to Equifax or some one as it is impacting my credit score.
Product: Credit card or prepaid card

Applied for a Wyndham Rewards earner VISA credit card on XX/XX/2021 in response to an offer recevied via email the same day. The advertising provided for an offer of 60,000 bonus points, but Wyndham granted 30,000 points only. Contacted XXXX XXXX ( credit card issuer ) at XXXX on XX/XX/2021 to resolve this issue and was told that the offer shown on the system was for 30,000 bonus points only.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting that my balance with XXXX XXXXt XXXX is XXXX and it is not, it is paid in full and should be removed immediately. This for account number XXXX
Product: Debt collection

I was unaware of a debt owed to XXXX  from 7-8 years ago. The company was harassing and saying that they would show up at my home and work. Also, they lied saying they had me recorded accepting the debt as mine. I still don't know what it's for and paid them anyway to make them go away. Absolutely ridiculous.
Product: Checking or savings account

My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : I need my XXXX dispute claim to be reopen or reinvestigated or investigative again or make into a new dispute and investigate again XXXX {$100.00} Case number XXXX because I never got my order I was scammed and block on XXXX Date XXXX XX/XX/year> From account : ... XXXX Confirmation : XXXX and note for all my disputes I am asking to be reopen and reinvestigated if yall cant do it give me a XXXX time account credits for all my disputes amounts and my XXXX  banking XXXX XXXX my old account number is XXXX and reopen all the disputes on that account number XXXX thats I didnt win for and reinvestigated it or give me a XXXX time account credits for all the amounts etc.
Product: Credit reporting or other personal consumer reports

This serves as my numerous correspondence to address the unfortunate circumstance of being a victim of identity theft. I write to challenge specific items within my file that stem from this crime. The contested items are not associated with any transactions that I have personally initiated or authorized for the procurement of goods, services, or funds. I request the immediate blocking of any information in my credit file linked to the alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$4900.00} XXXX  XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX  XXXX  XX/XX/XXXX
Product: Checking or savings account

Chase Bank is denying my claims that the transactions made from out of the country on my checking account are all fraudulent transactions. I told the gal Ive never been out of the country and I can show her my passport to prove Ive never left the country and all the transactions made and posted on XXXX XXXX are fraudulent. They closed my claim for {$690.00} for ATM transactions because their investigation indicated they were made using a PIN number. During a previous recorded conversation I was asked if I had the card that was used for the transactions in my possession. I said yes I do. Their investigation then concluded it then had to be me that made the transactions. Even though I told them it was not me and the proof I have is my passport indicates I never left the country. I was told by the gal there was nothing further I or they could do. The gal then asked me if there was anything further she could help me with. If not, she would end the call with me! They are also investigating several other fraudulent transactions on my account that have occurred out of the XXXX which looks like they are specifically from XXXX. There was also a fraudulent transaction where a transfer of {$480.00} was transferred from my savings account to my checking account which was used to try to cover a portion of these fraudulent transactions. That left my savings account with a XXXX balance which I would never allow it to go down to! They have started to return a small portion of the fraudulent transactions back to me but not even half of them have yet to be returned to me! 
Thank you for your help in this frustrating matter with Chase Bank!
Product: Checking or savings account

3 unauthorized transactions were done on my chime debit card account XXXX for {$9.00} on XX/XX/2022 XXXX XXXX  for {$51.00} on XX/XX/2022 and XXXX for {$41.00} on XX/XX/2022 I notified chime of the issue of XXXX the XXXX and had a new card issued but had to wait til XX/XX/XXXX for transactions to post so I could dispute transactions which I didnt think it would be any type of of issue because Ive never disputed any transactions with chime and never had any type of issues such as this so I sent off my dispute at around XXXX XXXX hours later my dispute was denied which obviously shocked and confused me so I contacted them directly about it and was told they didnt see a error in there system so it was denied then was told it would be escalated so I waited 5 days and hadnt received any type of communication contacted them and was told that there was no escalation made and I had 2 options which was either accept the fact someone stole my money and move on or send in extra info to possibly get case reopened and investigated ( properly ) then possibly receiving a refund in up to 90days this is absolutely asinine to me and Ive never went thru a issue like this with not only this bank but any bank Ive had a account with
Product: Credit reporting or other personal consumer reports

For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX. WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ 120-160 & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... XXXX XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXX XXXXXXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Vehicle loan or lease

Hi I purchased a XXXX XXXX XXXX in XXXX of XXXX at the major world dealership. I recently have come to find out upon trying to do a trade in that my vehicle has structural damage. The real value of the vehicle is no way near the price that I'm paying for it! Wells Fargo Bank wants to hold me responsible for paying my loan payments and deductable of the auction purchase still when I'm volunteering to give them reposition of it. I don't feel safe n responsible for a vehicle that was sold without any knowledge of what 2 people at XXXX told me.
Product: Debt collection

I presented this credit card with capital one as soon as I found out that my credit card was being used by my health care workers who only had the personal permission to pay my cards and not used them. I lost my XXXX  and had to go under an XXXX  not knowing that I had 2 move XXXX  to go. it was not easy being XXXX after having my XXXX  all my life. Most companies had a hard time understanding because my bills were being paid. What I was told by the law the State Police all I had to do was to report the incident to the police and. and to submit the report to my credit card company. 

This card was disputed by XXXX XXXX  and taking off my report. I was told, when your company spoke to me I was confused and not being able the review the reports I went and starting paying the credit card on my own. I thought that you were sending me a new card instead you never sent the card but were sending a bill with a new card number .but the bill was never paid because I never use the card. every time my caregiver paid my bills it never questioned that I never had the card you told me that you were going to send a new card out. but when I didn't review the XXXX realize I asked XXXX and i was told that the card was deputed and taken off my credit report. so the payments are for the card that I never used and a card that I never received. I understand that you didn't know so many of these details but I hope that this clears up. I never used the card and was paying for a card I never received. I've still disputed this account whatever the old number that this card replaced the card was attached to. and was used without my permission during the time I had home caregivers was a card that I was attaching to. 
but the card was used without my permission. I believed that the dispute says identity theft. this carded used to be mine, after being reported stolen you charged the account and passed the balanced to the new card but never send the new card. I continued paying for an account that I didn't use the balance was not mine. 

a police report was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill  letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.
Product: Credit card

I have a Bank of America credit card with a balance on it. All payments are up to date and I pay above the minimum. About half of the balance is under a 0 % interest promotion the bank provided. The other half has a 24.2 % ( usurious if you ask me ) rate. I pay above the minimum and notice all that money goes to the 0 % balance and none to the 24 % balance so every month, my interest payment rises even though I have made above-minimum payments and charged nothing more to the card -- my overall balances are lower. 

Is this legal? Do the banks decide where they want to apply the money sent to them so they can maximize the interest charged to me? It certainly seems unfair.
Product: Student loan

I was unable to make payments for a while. I eventually was able to get back on track with a payment-plan. I have been making payments in the amount they set that are automatically being taken by Sallie Mae from my bank account. However, they are still calling, emailing, and sending mail to both me and my cosigner. They are claiming that I have not paid and that I am going to be put into default.

They also have not updated their website to show that I have been making payments or that there is even an agreed payment-plan in place.

I have asked three times for a copy of the payment plan agreement and they told me " we do not do that ''. I have no proof other than the fact that they have been taking money out of my account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX an unethical collector for XXXX is knowingly reporting inaccurate information and responding to you with misleading responses to get you to close the complaint and they are getting away with publishing inaccurate information as a way to collect on invalid debts. This has to be stopped! They are reporting XXXX Account # XXXX and it has several inaccuracies because it is an invalid debt. I have attached a copy of another creditors response to this complaint that proves the Amount is inaccurate, They are reporting {$1700.00} for a account that XXXX says was {$610.00} and the dates are inaccurate it says 2 different opened dates XX/XX/22 and XX/XX/22 and last active date as XX/XX/22 and XX/XX/22 which makes the open date after the active date and I am saying the Debt is NOT mine because I have not lived at that address in 3 years so it is impossible for me to have a cable debt there from XX/XX/22 or XX/XX/22! This is willful violation of FCRA Statute 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 card or prepaid card

Please see original complaint # XXXX Submitted on : XX/XX/2021 Please see the details in the attachments. 

After I had filed my original complaint, the CFPB contacted Bank of America, who responded by sending me an email ( see attached ) from a department titled " Regulatory Complaints ''. 

I followed instructions by immediately calling the number listed and the extension of the involved party. 

When the number first connected, the prerecorded opening says, " this is an attempt to collect a debt '', it never mentions Bank of America. 

The extension number goes right to voicemail. I left 4 total messages between XX/XX/XXXX, XXXX, and XXXX. I have yet to receive the promised callback within the 48 hours promised in the initial email. 

I tried calling Bank of America directly on XX/XX/XXXX to inquire about this department but nobody I spoke to initially, 4 people in at least 3 departments, seemed to be able to figure out if this department actually exists or how to contact them if it did. 

I was finally connected to a person, XXXX XXXX, in the credit department, who was able to figure out how to interpret the codes on the notes in my account and located the " Regulatory Complaint '' department. XXXX XXXX told me that XXXX XXXX, the individual who I am supposed to contact, was not online at the moment but suggested that he should soon be online and I should expect a call from him soon. That call still has not materialized. 

XXXX XXXX has also provided me with the supervisor, XXXX XXXX, for XXXX XXXX. I have yet to attempt to reach out to XXXX XXXX as I feel this whole episode has been a horrible display of mismanagement and ignorance. 

My perception of this whole issue is that Bank of America is only interested in making money and saving itself from bad publicity.