23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Harris & Harris repeatedly sends text messages to my phone about debt I owe while I do not owe a cent to any medical provider.
Product: Checking or savings account

I have been with Bank Of America for over 12 years. I have never had an issue with fraud till now. On XX/XX/XXXX, i had {$1400.00} taken out of the ATM. During the time of the incident i was at work 25 miles away from where the money was taken out. I have shown proof that i was no where near the area where the money was taken out. I have proved my work work schedule, email screen shots, my phone location throughout the day, and also written statements from co workers showing i was work the entire time. My original claim was denied within a week, and on the XX/XX/XXXX i reopened the claim and waited until XXXX.19 to hear back, that is almost THREE months, and they denied my claim again. They never reached out to me ONCE, and every time i called in, there was no update, only just that the bank was doing more research.I trusted BOA to protect me when something happens, but it feels like im the one fighting my bank to get my own money back. I have provided numerous documents and BOA has proved me nothing but a wave off. they have VIDEO of this happening, they KNOW what i look like, so its very CLEAR that it was not me who pulled out the money! I have also thrown had my old debit card thrown away and have requested BOA text alert me before any major withdrawals are made in the future. If this claim does not get resolved, i will lose all faith in BOA and will for SURE change banks and take my business elsewhere
Product: Credit card or prepaid card

On XX/XX/XXXX I applied on line for a XXXX XXXX credit card which is qualified and furnished through Synchrony Bank. After two weeks of not hearing anything about my application I call Synchrony Bank and they told me I my application was denied. This is unusual since my credit score is XXXX. I was told by their agent on that call that after reviewing my file that nothing he was reading made sense (? ), but he would escalate the problem. Another two week 's go by and nothing. I called again, this time the agent said it was denied and I would get a letter. Now it is XX/XX/XXXX and still nothing, I call again. The agent said the card was denied and kept me on the line until he processed the denial letter and said I would have it in no more than 10 days. It is now XX/XX/XXXX and I have not received the denial letter. It is Synchrony Bank obligation to comply with the FCRA and provide me access to the report that was used in making this decision. If there is derogatory information out there about me, I have a right under the FCRA to be made aware.
Product: Credit card

While checking my personal credit report, which I acquired from XXXX I noticed an inquiry made by your company " SYNCB/LOWES XXXX '' on XXXX/XXXX/2014. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates : 30 days late as of XX/XX/XXXX and 30 days late as of XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX  XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
Product: Debt collection

XXXX XXXX XXXX  reported {$300.00} XXXX XX/XX/ never had this debt XXXX XXXX XXXX is reporting I owe {$450.00} XX/XX/ amounts are wrong/ XXXX XXXX XXXX XXXX XXXX XXXX  Balance is wrong and validation of account never received
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my consumer report and noticed erroneous amounts of errors, starting with the " Hard/Soft inquiries. 

Unauthorized Hard Inquiries on my consumer Report are as followed : Inquiries Referenced : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these XXXX inquiries. These XXXX inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

Experian must provide how they verified these inquiries belongs to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries. 

Pursuant to XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy Please provide the requested documentation to me at the address listed above within 30 days of receipt of this letter. If you are unable to provide proof to validate these inquiries, I request that it be removed from my credit report immediately. Thank you for your attention to this urgent matter.
Product: Bank account or service

Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I reached out to Experian regarding inaccuracies on my credit report. I informed them that the information they had listed was incorrect and that the entity providing this information had been supplying inaccurate data. Despite my efforts to resolve the matter, the errors persist, and Experian has continued to rely on incorrect data to influence my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verified information being reported on my credit report. According to this law, Experian is required to investigate any disputes and correct inaccuracies within 30 days. However, Experian has failed to resolve the discrepancies within the required time frame, and the inaccurate information remains on my credit report. 

As a result of this continued failure to comply with the law, I am now considering legal action to ensure my rights under the FCRA are enforced. I am seeking a prompt and thorough investigation into the matter and correction of all inaccuracies. I am also requesting that Experian take appropriate action against the entity providing the false information, as required by law, to prevent further damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been way over 60 days since I made this complaint to the CFPB - XXXX XXXX, and have yet to get any response or remedy from XXXX. Please see previous complaints. 

Equifax - Complaint # XXXX Based on your response : Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
I would like Equifax to conspicuously disclose and provide to me all the steps they took to VERIFY that this account belongs to me according to the FCRA. Violations ( 15 USC 1681d ). ( 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ).
Product: Credit card

Concora Credit is currently servicing my XXXX XXXX and Destiny Credit M/C account ( s ). I recently received an alert that the address on my profile was changed to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. The address change was never authorized by me. When I inquired about this change, no one at Concora Credit could, or to date inform me as to who authorized the address change or provide me with any explanation as to how this happened, in addition, they forwarded my personal account information to the changed address without my authorization, and even after I alerted the company of this unauthorized change, Concora Credit continued to send my mail to the unauthorized address. Additionally, an unauthorized individual opened the mail parcels and reviewed my personal account information, thereby compromising my personal account information. Additionally, the company in receipt of my personal information, not only have accused me of changing the address they have expressed their disdain for my mail being forwarded to their office. The credit reporting agencies ( XXXX, XXXX, and XXXX ) are refusing to remove the address, because Concora Credit ( XXXX XXXX and Destiny M/C ) is reporting inaccurate and unauthorized information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth XXXX XXXX  Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History
Product: Credit reporting or other personal consumer reports

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

( XXXX ) XXXX XXXX Account number # XXXX ; ( XXXX XXXX XXXX  XXXX XXXX Account number # XXXX Has violated my rights 15 USC 1681 section 604 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

On my credit report there is a hard inquiry from XXXX XXXX XXXX. This hard inquiry is two years old and thus it should be deleted from my credit report. Delete XXXX XXXX XXXX hard inquiry from my credit report as it has passed the time of limitation for it to be on my credit report. 
Delete XXXX XXXX XXXX from my credit report immediately please.
Product: Credit card or prepaid card

I have both PayPal credit ( where funds come out of checking ) and a paypal mastercard. I noticed that I was being double charged for items/services ; one via credit and one via mastercard, when i tried to get this rectified the customer service rep for mastercard said she did not see the charges showing on my credit where as when I spoke to paypal ; not paypal mastercard, it was clear that both charges were visible.

There is a discrepancy between the two entities, on my end I can see both charges on both accounts ; I took screen shots, did the calculations and there is no question I payed for both charges via paypal credit. Why should I have to pay via paypal mastercard. I feel this may of been going on for a while without my knowledge because I do tend to be really oblivious, but always felt my bills were higher than they ought to be, this is the first time I investigated.
Product: Money transfers

I had a home security monitoring service from XXXX XXXX for my service. I sold my house in XXXX, NC in XXXX 2015. I had called and faxed the letter to XXXX requesting cancellation of service and stoppage of auto payment from my Wells Fargo checking account. Three months later I saw that XXXX continued to charge my checking account the monthly fee of {$36.00}. I called them again and asked about cancellation of payment and for refund of the over charge. The representative apologized and said that the previous person did not process the cancellation accurately and promised the refund. The auto payments finally stopped five months after the cancellation of service but the refund check never arrived. I had also lodged a complaint through XXXX XXXX page but they deleted my complaint. I am having to resort to this because it has been almost a year and without any resolution. XXXX even had the audacity to ask me for the contact information for the people who bought my house so that they could call them to sell their service. I had submitted a complaint through XXXX but XXXX refused to acknowledge their fault, despite the proof, and declined to provide the full refund. They are putting the blame on me because XXXX complaints and responses are public and instead of addressing the issue, they took the falsification of the facts route for face saving.
Product: Debt collection

I HAVE A ACCOUNT FROM UNIVERSAL RE ACCOUNT NUMBER XXXX BALANCE IS {$150.00} I DO NOT OWE THIS COMPANY ANY MONEY, IM REQUESTING A DEBT VALIDATION
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I made an International wire transfer in the amount of {$5000.00} USD to XXXX XXXX in XXXX, XXXX for the purchase of real estate. I was told by HSBC that it would take 48 hrs for the receiver to get the money. 48 hrs went by and the receiver contacted me to let me know that money was not yet received. I called HSBC on XX/XX/XXXX and they told me since it was an international wire transfer it would take 7-10 business days for the wire to be processed. According to HSBC the account had to be verified. Days went by and money was still not delivered. I then decided to wire the money from my XXXX account and the money was delivered in less than 48hrs which is the normal time frame. I then called on XX/XX/XXXX to cancel the Wire transfer since it was never delivered. I was told the credit would be reflected in my account within 2-3 business days. I called XX/XX/XXXX and was told additional information was required. I provided and verified the receiver 's information. Nothing happened. I called again XXXX and asked to speak to the wire department. I was told I couldn't speak to them directly. I called again on XXXX and was told the cancellation was under review. XX/XX/XXXX money still not refunded, I had to again verify the receiver 's information and was asked when the company was established. This information was not requested at the time the wire was initiated, so it makes no sense as to why I would need to provide that information to cancel. I however reached out to the receiver " XXXX XXXX '' and they were very cooperative and provided me with the information. This is the worst bank, I find it unacceptable that I to make over 10 calls, over 1 hour each to simply cancel a wire transfer. XX/XX/XXXX - Called again and had to provide additional information, they said the wire cancellation would finally be processed, and the money would be refunded within 3-5 business days. This bank should not be allowed to do business in the USA due to their bad banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c.

( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquiries to XXXX, XXXX and XXXX Due to multiple data breaches, leading to loss of personal and sensitive information in the past, I feel that I'm a victim of identity theft. 

I would like all attached inquiries verified
Product: Credit card

Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.
Product: Checking or savings account

BBVA USA was merged with PNC Bank. All BBVA customers received welcome packets stating that the transition period would be the weekend of XX/XX/XXXX until the XXXX. During that weekend it was told to customers that funds would be accessible no matter what. From the very start of the weekend, customers funds were locked and no access was granted during this period. When called upon, BBVA stated that because there was a merger, customers would need to contact PNC. when contacted, PNC stated that those customers were not in their system and to contact BBVA. This back and forth went on the entire weekend. PNC 's other option was for everyone to just wait it out until Tuesday. Not everyone was able to do that. Some folks needs to get their medications or gas or food and had no access and no help from either company. At one point, BBVA stopped answering calls and basically shut their phone system done due to the influx in volume of complaints. This was also confirmed by PNC who stood on recorded lines and were disconnected themselves. PNC also had representatives been extremely dismissive and downright rude and obnoxious towards the customers who were experiencing this hardship. When confronted about what would be done, PNC just basically shrugged their shoulders and said, " We'll note it and let someone know your issues. '' That meant to customers, we don't matter nor do the company not care about the extremely negative first impressions they gave out and seem to not be bothered by the fact tons and tons of customers incurred fees because of THEIR XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you for assistance with a removal of erroneous late payments on a closed account I had with XXXX. I have been with XXXX since XXXX, and the former XXXX accounts was reported to be late for the first 3 months in XXXX on my XXXX  credit report. This company has not been my servicer since XXXX. I would greatly appreciate your assistance in helping me to correct this false derogatory information as it is impeding my ability to apply for mortgage credit. I attempted to chat and call a fedloan representative but neither were helpful. My account number is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 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 shall ( i ) 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.