23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Chase Bank WILL NOT REVEAL WHY they do NOT give auto loans ( or refinancing of auto loans! ) for vehicles that have OVER 75,000 miles. The " Auto Finance Department '' referred me to the Chase " Executive Office '' on this issue. The " Chase Executive Office '' referred me BACK TO THE AUTO FINANCE DEPARTMENT! 

I demand to know WHY this XXXX miles on a used vehicle is a " disqualifying criteria '' for an auto loan, and WHO AT CHASE made this arbitrary decision! 

I will NOT ACCEPT the " runaround '' on this issue!
Product: Checking or savings account

My payroll direct deposit has been paid by employer and should have been available as of XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/year> in my Capital One 360 Checking Account. I contacted Capital One and they said they were having technical issues and were working to resolve the issue. They could not elaborate on what issues or when they could be expected to be resolved. I asked for them to send an email explaining the situation and they said they could not and I would need to contact them again if the deposit was not available by the next business day.
Product: Checking or savings account

On XX/XX/2023 at approximately XXXX XXXX, my Bank of America Savings Account recorded an unauthorized transaction in the amount of {$2500.00}. 
The transaction was a XXXX payment from my Savings Account ( never used for a XXXX transaction in 10 years with this bank ) to the checking account of an unknown individual. 

Immediately upon discovery ( on the very same day of the fraudulent transaction ) I notified Bank of America, requested the bank accounts to be frozen and promptly filed a police report with the XXXX XXXX Police Department, Internet Crime Complaint Center ( IC3 ) and Federal Trade Commission. 

Bank of America was provided with all the documents described above along with a notarized affidavit ( in which I declare that I have not originated, approved or delegated in any way the disputed transaction ) and other documents they requested regarding the cyber-attack ( such as a notice letter from IBM of a data breach involving my sensitive data and screenshots of antivirus detections of malwares on my personal computer on the date of the transaction ). 

Bank of America denied the claim on the basis that I did not provide enough legal evidence of a cyberattack therefore I should be accounted liable of a fraudulent transaction from my " savings '' account to an unknown party. 

The claim was rejected 3 times because they keep arguing that I personally approved the transaction " since I did not provide the right amount of legal evidence of a third party tampering with my devices ''. The type of evidence they are requesting would only be accessible by the instruments of subpoena ( requested by a court of law ) or an expert letter/opinion which would cost by itself more than the disputed transaction. 

I spent hours investigating, filing complaints, waiting on hold over the phone or in one of their financial centers and requesting legal documents to parties which are not interested in cooperating since they do not want liability. 
I was forced by the bank to assume the burden of proof which I believe should not be on the customers ( victims of fraud are not all cybersecurity technicians or a bank investigators ). 
My consumer 's rights have been repetitively violated when I was requested to submit new and different types of evidence which were always difficult to obtain. 

Bank of America should be liable for breach of regulation E and breach of contract when their customers are subject to unauthorized fraudulent transactions. Their fraud departments should investigate the unauthorized transactions instead of asking customers to produce burdensome legal evidence. I am submitting this claim as my last resort before pursuing legal action in a court of law.
Product: Credit card or prepaid card

I was charges by XXXX for an anual charge. When I received the bill and saw the charge I called to ask why. They said that it is automatic billing and even as I received no notice I am required to pay for it ... as back in 10 years back I agreed agrred to get billed annully. they said they will cancel the bill in XXXX.and I am free to use the product for another year. Even afrer I explained that I have not used the product for a long time and do not intend to used the product, thay said sorry the charge was charged already.
Product: Vehicle loan or lease

Between XX/XX/XXXX and XX/XX/year>, I have called and requested the proper loan documents repeatedly. I have also attempted to pay on the vehicle and had the lending staff be rude and irrational. Never took payments. Also refused to send proper documentation to register the vehicle at the local DMV.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5700.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2600.00}, XXXX XXXX  XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$2200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$610.00}, XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00} XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account XXXX XXXX date XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I checked my credit reports from all three major credit bureaus and I had found a debt collection company called Cavalry Portfolio Services , LLC I didnt take it seriously until early this year i began trying to clean up my credit report, they had bought my old XXXX credit account, which I am going through a settlement with a debt relief company, I immediately reached out to the credit bureaus and Cavalry Portfolio services about the amount they say I owe them is {$4800.00} I have written to cavalry portfolio services for proof of the debt, three times already and I had the letters certified, out of all three times, I had heard no response from cavalry portfolio services, but the Three credit bureaus came back as verified.
Product: Credit card or prepaid card

On XX/XX/2012 I had XXXX testing done at XXXX XXXX XXXX  XXXX XXXX. I was overcharged a copay of {$340.00} which should of only been {$40.00} and I asked for the charge to be disputed with Navy Federal. They said that they investigated it and found nothing wrong and did not refund me the money. They told me when I had a refund receipt from that XXXX XXXX XXXX XXXX XXXX they would refund it which is absolutely ridiculous. Since then ive been going around and around with the XXXX  XXXX XXXX XXXXXXXX XXXX who agrees I overpaid but is not refunding my money. They make several excuses as to why its been months and they have not refunded the overpayment. They have sent me two different bills that do not even reflect the payment of {$340.00} in which I attached for you to view. I have reopened the same dispute with my Navy Federal, submitting evidence and they do nothing and close the dispute again. I do not understand why my credit card purchase it not protected by the bank. Please note that on this same day at this same business the allergy technician got into my purse and stole my card numbers and started charging my debit and credit cards in which the bank did help stop those transactions but does nothing about the overpayment/overcharge. This company, XXXX XXXX XXXX XXXXXXXX XXXX also fraudulently charged my insurance company for XX/XX/XXXX and XX/XX/XXXX when I wasn't even there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / 30 days late in XXXX 2020, XXXX 2020, XXXX 2020, 60 days late in XXXX 2020, XX/XX/2020 as well as 90 days late in XX/XX/2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct.

As you know it is agaisnt the law to report any information not proven accurate.

In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the 15 u.s. code 168e ( b ) and 15 u.s. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Consumer Loan

On XXXX I went into XXXX of XXXX, I wanted to trade in my XXXX that I purchased there almost XXXX years prior. I was having anxiety driving the SUV because it was too wide and I kept scratching it. I was always driving it to my medical appointments in XXXX and the parking garage was always a nightmare for me. 

I was diagnosed with a XXXX in XX/XX/XXXX and I found the SUV overwhelming. I had XXXX so I thought that a XXXX would be easier for me XXXX XXXX. Of course I know sales people are there to make money. And they did make plenty of money off of me. I was at the dealer for over XXXX hours. I was in a total state of XXXX, I could not even remember the terms or the pay off, and the downpayment amount they were contributing with via promotions kept changing. 
I just knew I could no XXXX XXXX the SUV and I had to get a smaller vehicle. I had no choice. I had to feel safe driving. 

I called and emailed them several times to let them know that the lease/loan that I received from them was causing me a great deal of anxiety and that I felt very confused about the lease. I had never leased a vehicle before. I continued to be confused and have major XXXX. So I called again to see if there was any way to purchase the vehicle because I did not want to pay {$830.00} a month for a vehicle I would not own. 

Since then my medical XXXX has become worst. I can only work 3 days a week. I was diagnosed with a XXXX and I also have a XXXX called XXXX It is when your body makes too much XXXX and it gets trapped in the XXXX and causes XXXX. The XXXX builds and affects every part of the XXXX. Major side effects are XXXX, XXXX, XXXX, XXXX. I feel this is a huge reason why I just did not understand the loan/lease situation. I just knew that I was so freaked out driving the SUV. So I was very very confused and overwhelmed and they kept me there for XXXX hours. It is documented that both my diagnosis affect judgment and can cause great XXXX. I have all the medical documentation as well as all the XXXX and XXXX and XXXX that I have had to endure. This diagnosis has created a lot of stress in my life. I tried to get help from XXXX but they ignored me. And I feel this is a very serious and unique situation. I am also on a medication the controls the XXXX fluid, however the side effects also cause XXXX and easily confused and overwhelmed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : TRANSUNION : 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 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 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 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
Product: Money transfer, virtual currency, or money service

My sensitive information was exposed and unauthorized transactions was allowed on the account and also denied refunding.
Product: Checking or savings account

On XX/XX/2022, XX/XX/2022, and XX/XX/2022 a merchant called XXXX XXXX XXXX XXXX charged my wells fargo checking account in three different occasions. Wells fargo is saying because I have a history of buying online crypto in the past from other crypto websites they won't investigate or protect my account from these three unauthorize transactions. In what world does me buying from another site, automatically " disqualifies '' my account from having protection?
Product: Credit reporting or other personal consumer reports

XXXX reported account as late XX/XX/XXXX, my account was not late. I provided bank information showing funds were in account. The info was reviewed and company approved to amend credit report. The XX/XX/XXXX late payment still appears on all three credit reports ( XXXX, XXXX and Experian ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these following inquiries. they were not made by me. I have reached out to these creditors and haven't gotten any results. The names of the following inquiries are XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  and XXXX
Product: Credit reporting

I have contacted Transunion numerous times by phone and mail to get this negative mark on my credit report removed. The account is with XXXX. This account was originally opened up by XXXX XXXX XXXX XXXX on XXXX. This account was reporting late payments on XXXX when it was transferred to XXXX XXXX XXXX and it was never brought back current, and then they transferred the account to XXXX on XXXX. Going off of my research and what numerous numbers of their employees have told me since the account was never brought back current from the first time back in XX/XX/XXXX then it would be removed from my credit report 7 yrs later from that time. It is beyond 7yrs and this account needs to be DELETED. I have contacted Transunion numerous times and every time they come back with the account being verified. I have contacted XXXX XXXX XXXX and XXXX numerous times, and they have consistently told me that they DO N'T HAVE THE RECORDS FROM THE XXXX PAY HISTORY. Because they do n't have records or pay history for this account from that point and time then HOW can they prove the ACCURACY of the account? I have also given them proof that what I 'm saying is correct by supplying documents that back up everything I said. I also requested the Method Of Verification that they used to conduct this investigation, that by law I am entitled to ask for and they must supply it. They have continuously failed to give me what I asked them for. " The FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. 

I have disputed this account via phone, fax and mail, and every time I have talked to someone over the phone about this account they have agreed that the account should n't be reporting on my account but there is nothing they can do but try and dispute the account again. That is not true, According to the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( XXXX ) Action required upon receiving notice of a dispute. If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge - ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller ; and ( B ) ( i ) if the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it. 

Please help me with this situation as I do n't know what else to do
Product: Credit card or prepaid card

My spending account was hacked on XX/XX/XXXX, from someone I've never heard of or did business with, and they still refuse to resolve this issue. Date given was in XX/XX/XXXX. The only number you can call is their Customer Service at XXXX ( XXXX ) XXXX only to speak with people with heavy accent that you can't understand, be transferred to one department to another, and be told a different or the same scripts. The transaction is so obviously a scam! Can not reach anyone that I can escalate this to. This company has THE WORST customer service ever. This is my only card I pay bills & use. They took {$680.00} that I was informed will be put back after 10 business days, I still can't use!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped drastically XXXX points this month because of 1 inaccurate reporting to the credit bureaus. 

On my application there was a box I checked off that said I am certifying that I am over XXXX and want all relevant emails for this account. All the necessary contact information was provided. 

That has never been done. They havent given me any notice beforehand of any problem. 

It would have been different if I had ignored their emails. They can not show that 30/60/90 Day period I was made aware of any problem and that I kept ignoring them. They did not give any notice of any type. 

I am protesting their money grabbing tactics to make money. I feel exploited.
Product: Mortgage

I applied for a XXXX mortgage with BMO Harris ( 25 % personal cash down payment ) and was denied given the reasons of " Limited Credit Experience '' and " Unable to Verify Income. '' I have a XXXX imperial score, provided all information requested including source of funds, XXXX, and employer letter with my start date of XX/XX/XXXX that included compensation. I have history of credit cards paid in full, vehicle loan, as well as continuous employment since graduation from XXXX in XX/XX/XXXX and after a 1 Yr XXXX from XXXX University in XX/XX/XXXX. I feel my application was denied because of racial discrimination as an XXXX XXXX female and the bank is scrutinizing applications from XXXX, IL unfairly. Whereas in contrast, people with similar paper profiles ( education, income, credit score, employment history etc. ) are not denied in suburbs where the majority of the population is XXXX and the applicant is also XXXX.