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

they keep denying me then you close it out without me being able to speak as if they are right and i am wrong but they state the XXXX  transaction they made me make was successful they need to provide some documentation showing it was successful because i never received it, and Wells Fargo still owes me XXXX from that transaction cause it did not go through and they ow me from the date they classified it fraud on my account cause which was the date that the XXXX  transaction they admitted was fraud they keep saying the XXXX transactions was done with a pin so it cant be fraud, if they saying that transaction wasn't fraud and it was done with a pin then i need them to explain how these two XXXX transactions were done because from my understanding they were done the same way as the other transaction and that was with a pin if not then please have them show me how they were done cause they were all done the same way .... 
also, i received an email from wf settlements stating they gave me a check and if i didn't receive it to contact them I have been contacting them since they emailed me and will not respond back because I never receive a check from wfsettlements and i need my money since they state they sent me a check but they didn't and they do not want to respond back but I need my money and they are holding it from me...
Product: Credit reporting or other personal consumer reports

My credit report has inaccurate and false information that I dont recognize on my credit report. These accounts below are hurting my ability to obtain credit. XXXX and XXXX removed these accounts below immediately upon my request. Transunion hasnt been helpful into investigating into my issues. Its been over 2 months. I would like for these accounts to be removed within 4 days. 

XXXX {$890.00} XXXX {$950.00} XXXX {$750.00} XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX  {$1000.00}
Product: Credit card or prepaid card

I have unauthorized charges on my Bank of America Visa card from XXXX and XXXX. 

I have been a Bank of America customer for 35 years, multiple credit cards, accounts, home mortgages, etc. 

Regarding these VISA charges, I contacted both vendors to resolve directly : 1. XXXX Dispute : XX/XX/21 {$340.00} XX/XX/21 {$160.00} XX/XX/21 {$160.00} XXXX agrees that I do not have an account with XXXX. They tell me that they can not reply to me directly as I am not a XXXX  customer, but that Bank of America must submit a chargeback with the claim these are unauthorized charges. The person in XXXXXXXX XXXX chargeback department expected they would be fully credited if B of A would follow up. 

Regarding XXXX : XXXX reports that Bank of America charged back one charge of {$160.00} and claimed services were not provided with no further information. That is not correct. XXXX replied that services were provided. 

XXXX reports that B of A did not explain anything about my claimthat the charges were not authorized, that I do not have a XXXX account, that it is impossible to have XXXX service where I live. Also they did not charge back all the charges. 


2. XXXX 6 months x {$24.00} XXXX claims I subscribed to XXXX. I did not. 
I asked XXXX for any record related to the their claim that I subscribed. They could or would not provide any receipt, transaction date, method, or any documentation at all. 
I asked XXXX to simply describe their claim that I ordered an XXXX when I have no such record, no messages, no activity on my XXXX account, etc. Again, they would or could not even say the basis for their claim. 

Regarding XXXX : Bank of America cancelled and replaced my Visa card when I reported the fraudulent charge from XXXX ; then the Bank gave XXXX the replacement card number which XXXX then charged a 7th time, after the fraud report. 
I think that XXXX then reversed that charge based upon my contacting XXXX myself. 

I have asked Bank of America to question the authorization. XXXX would not provide any documentation to me. ( I never authorized ). It is my understanding that the Bank never did anything at all to assist on this, they did not chargeback or question XXXX. I hope I am wrong. Today I was told the Bank had closed any claim related to XXXX. 

Today, during another 30 minutes on the phone with the bank, the fraud department told me they had declined both claims without resolving anything for me.

After almost two months, the representative told me that in fact the fraud department never contacts a vendor and investigates charges ( not kidding ). 

I was told that my fraud claim was now with the billing dispute department and I would now need to follow up with this other department if I hope for the bank to assist me. 

( please see attached letters prepared/dated XX/XX/21 that I just mailed today XX/XX/21 )
Product: Credit reporting or other personal consumer reports

I sent all required documents to this company for the removal of these fraudulent accounts on my report including police reports and documentation from the police stating that these accounts where fraudulent and still have no resolution or items removed from my credit report attached to this message is police reports police verification from the police department and all supporting documents including most recent bill my identification and letters to the company
Product: Consumer Loan

I leased a vehicle in XXXX 2014 from XXXX. The current fair market value of my lease is less than the residual value of my automobile as listed on the lease. There is still 26 months left on the lease. The residual value of the vehicle as documented on the lease appears to be inaccurate based upon current XXXX by XXXX XXXX XXXX and other requested trade in values. The inaccurate and misleading information regarding the residual value has left me with a vehicle that is worth less after 14 months than it was advertised to be worth after 39 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Auto Account ending in XXXX I sent you guys a letter on XX/XX/XXXX of last month. I received the letter that you sent to me via mail. You stated in the letter that you will update the information on my consumer profile but that has nothing to do with the dispute that I sent you. I stated to you that you have no business of updating my consumer profile in my previous letter. You did not do what I ask for you to do and you did not answer me correctly on what you sent out to me. I am simply asking you who gave you the permission to report on my credit profile? Also, who gave you the permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also since you did furnish this account without my consent and reporting on it every month without me knowing that identity theft which is a felony. According to the law it state in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person identification without them them know shall be sentenced to a term of imprisonment of 2 years. I pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most knowing form that all companies must have in order for a consumer to consent is SSA-89 or SSA-827 form XXXX That is is the only two form that must be sent to me to even furnish this debt with my permission. You never offer those forms to me and I bet you didn't those forms to any other consumer. Also since you still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report literally took a hit because you guys do not care and not only that you did not care this had cause me to get the job that I initially had high hopes for. Anyways, you in violation of 15 USC 1692c ( b ) It states that without prior consent to a consumer that you can not report to a consumer reporting agency. You have been doing that all along which is a felony cause that also is a result in identity theft. I still didn't give you the consent and you still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me {$1000.00} per damages to my consumer profile and {$1000.00} per violation. So tell me who gave you the consent to report on my consumer report because it wasn't me!!!!
Product: Debt collection

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section A section 2 : It also states consumer reporting agencies can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat and payment on a credit card account under an open end consumer credit plan as late an purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over several of months I have been in contact with Experian I have called and spoke with a customer service reps in regards to my disputes that I previously disputed via telephone, electronically, and via written disputes in which i have sent 3 rounds of disputes. Experian has yet to remove them from my credit report i dont know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, XXXX charged off my car from being less than 30 days late. As per the Servicemembers Civil Relief Act ( SCRA ). I have attached my orders from my XXXX aboard XXXX XXXX XXXX. I sent them an email, as my ship internet connectivity did not work well once we were far out at sea. We could send an email, but doing much else was not feasible. I spoke with customer service and was sent the attached ledger, which does not make sense to me. I keep getting from the company to call them when I file a complaint with the credit bureau for over a year now. What has been placed on my credit reports are not correct and it should have not been placed for collection. Code 50, U.S.C 3952states that a vehicle can not be repossessed during a XXXX XXXXXXXX XXXX time. I was on XXXX. It was not repossessed but they charged it off without being 30 days late. Also, when I called and spoke with the representative, he stated that they did not want the vehicle back but would instead require me to pay in full the amount that they say I owe. This is my last attempt before hiring an attorney to sue. The last uploaded file is the excerpt from the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CARDS/CITIBANK CITICARDS CBNA is still reporting an account that was determined to be from identity fraud per CFPB Case XXXX. Please remove from credit report.
Product: Checking or savings account

On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.
Product: Vehicle loan or lease

My lease ended in XXXX of 2019 with Acura Financial Service..also doing business as American Honda Financial. After completing the terms of my lease, I opted to buy my car Cash. I completed all the paperwork after buying the car in full and still have not received my title. Nearly a year after my account was closed, it was reopened with a new charger is {$100.00}. I requested, on multiple occasions for an explanation of the new charge and proof of my financial responsibility and for 2 years went in circles with no proof. I feel like it is a bougus charge. I recently hired a lawyer who settled with American Honda Financial for {$52.00} and my account was closed once again and still without a title! Ive paid over {$45000.00} for this car and can not trade it in or sell it because this company refuses to give me my title! 
Please help.
Product: Credit reporting

I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help
Product: Credit card

I was the victim of a large number of unauthorized charges on my credit cards that has resulted in high interest and bank fees. Unaware of the transactions I was deemed the " billing '' party and not the " shipping '' party. In the process of recovering the items from the individual who placed the charges on my account and being sure the items were returned, I discovered how difficult it is to return items because there is no recognizable footprint for internet transactions. If the " shipped '' party does not possess their electronic record ( email confirmation of the transaction ), it may be difficult to access the electronic record any other way. Banks tell me they have no information for dot.com transactions. Merchants tell me they ca n't understand and synthesize their records and easily tie the records back to the original transactions. Meanwhile, the interest and fees charged by the credit card mount for the consumer. 
The problem with record keeping starts at purchase. In my case : Dot.com merchants never validated or asked whether the purchaser and the credit card owner were the same. With this, merchants invited the possibility of an unauthorized transaction and bear none of the burden of interest charges and fees or other consequences to the " billed '' party. 

Once the transaction occurred, the merchant 's loyalty was only to the " shipped '' party. Dot.com merchants did not recognize the " billed '' party ( me ) as a legitimate party. Most would not correspond with me, send refund check for returned merchandise to me, share specific information about the account, or in some cases, even talk to me. 

As the 'billed '' party, I received only information on the credit card statement : transaction date, merchant, and total cost. These are not sufficient information to return an item for a refund. 
Ultimately, most of the items have been returned because of my persistance and luck with finding pieces of information. I am left with an estimated {$1000.00} in interest and fee charges. I feel the inaccessibility of information contributed greatly to not being able to return items sooner. 
At risk are those who are not tech savvy, the XXXX, the elderly, who could potentially incur large credit card balances and be unable to trace charges and make returns because of the morass of data surrounding their transactions should they be unable to keep accurate personal records. In the meantime, the credit card company is charging interest on transactions that this consumer is unable to resolve without the merchants ' cooperation.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resending this to XXXX as they asked me to refile it with my information and email on file through there sister company.My name is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/68 and my email on file is XXXX, I purchased a vehicle through XXXX and a hour after purchasing it all the lights came upon inspection, the vehicle was deemed Un drivable, dangerous and extremely unsafe. In contacting the company, they refused to pick up the vehicle even though it shouldnt be driven..They promised to put me in another vehicleThey did but made me put down more money to get in another vehicle.Upon leaving this vehicle was squeaking, and shaking.. They told me to contact there repairs center, I did noone contacted me back.. I had to contact corporate for them to contact the repair center to contact me back.The repair center came out to repair the vehicle 3times and it still had issues. I spoke to XXXX XXXX, they made a contract stating I had till a stated date to turn in vehicle and receive my deposit back and that this wouldnt be placed on my credit as late or otherwise until after the date expired.This was done again and I was given a additional date. I became very Ill and was and still am in the hospital.My sister reached out to Corporate and XXXX and was ignored.The date had been extended to XX/XX/XXXX, and nothing was to be placed on my credit until after this date. I received a donation and tried using my checking account to pay for the vehicle, the wrong account information was on file, upon telling them this, I was told to ho online., chose payment and when it says checking, update information.However when doing so, it made the payment, I immediately advised them.. I received no response from XXXX or customer service. I sent in a money order and my order disappeared, I did a loss money order dispute and again contacted XXXX the ceo, the vp and several other executives..XXXX XXXX is owned by XXXX and I reached out to them also, the ceo at XXXX ( XXXX XXXX and not one return contact.Upon getting alerts on my credit, The company had been putting my payments as late on my credit, during the contract time, even though it was stipulated in the contract that it wouldnt be done. I have a copy of the contract and have now had to hire a attorney because of the knowingly breach of contract that XXXX, XXXX and XXXX XXXX  have committed.. I also have another contract with different dates, updated and emails and calls between XXXX XXXX and myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I'm typically approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I reached out to the FTC and to my local police department. I need these items deleted from my credit report. XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX. 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, XXXX, XXXX, XXXX XXXX XXXX I am doing all of this on my own.
Product: Mortgage

We received our annual escrow account disclosure statement from Freedom Mortgage on XXXX/XXXX/2016. They said we have an escrow shortage of {$1400.00}. In looking at the escrow account history we were confused by the way payments were going in and out of our account and why we started off with a negative balance. Our loan was bought out from First Mortgage Corp in XXXX At that time we were informed all escrow was in order during our previous statement. Things started to go wrong with our new company in XXXX with XXXX mortgage payments coming out within 2 days of each other causing issues with our checking account. In researching our escrow history we see our homeowners insure getting paid twice then credited back. XXXX XXXX taxes that had been paid by previous lender were double paid, then credited back and went in and out of our account 6 times! No one at Freedom Mortgage could explain why this happened. In following the trail we believe our account is negative by XXXX of XXXX XXXX tax payments that was taken out multiple times never getting credited back into escrow. Were were told this shortage was an increase in taxes which we knew was a lie because we have XXXX XXXX tax records and it only went up {$260.00} for the entire year. We have been on the phone for a documented 9 hours going around and around with people from Freedom Mortgage who ca n't show us where the money has gone. They are now blaming the old company. We will pay any money that is due, but it needs to be clearly shown to us why. The accounting from escrow account history just does n't make sense, and if our taxes only changed {$260.00} how are we short {$1400.00}. What bothers us is that no one in this company can show us the paperwork. We are making our house payments, but are not including the prorated escrow shortage amount until this get explained to us. We have never been late and are worried this will affect our credit and will accumulate late fees on that amount.
Product: Checking or savings account

I was sent a XXXX  payment which is linked to my TD bank account. The funds were posted as available balance. I used some of the funds and was hit with a few overdraft fees. When I called rep, he emailed his manager to have it reversed because system wouldn't let him. They have done this repeatedly. The rep said this is an unfair tactic because why post the money into account if it isnt available and is " pending '' I have the call recorded. 

I have a couple of business and personal accounts with different banks. TD is the only bank who does something like this and gets away with it. When money is sent via XXXX. Its not reversible so its deemed YOUR MONEY and no OTHER BANK puts it in pending status and makes it available.
Product: Credit card

i do not have any credit cards in my name i lost my wallet back in 2012 and i get on XXXX XXXX to apply for a credit card and i was declined so i went to XXXX and it shows that i have XXXX credit cards that has been used in restraunts clothing stores and other places like XXXX and never got anything from XXXX ive always used go phones and now i have bad credit for something that i never did
Product: Debt collection

I received a call from a third party debt collection agency around in XX/XX/XXXX I told them I did not think the debt was valid and was working on my credit but wanted to make sure the debt was valid then the rep on the phone said well this could hurt your credit I disputed the debt due to it being labeled as a personal debt and not a medical debt tried to correct it with them and then they changed the debt age from XX/XX/XXXX to XX/XX/XXXX then started adding interest then my credit score dropped 100 points the name of company is Wakefeild and associates all I wanted was my debt age to be correct and it to be in correct listing this organization intentionally mislabeled the debt and changed the date which is unethical and I was threatened ( or felt they was threatening me and seeing how they actually did damage my credit it was a deliberate action )