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

On XX/XX/XXXX, I received a call from an XXXX number ; they told me one of my business debit cards had been compromised, and it was their job to ensure that I was protected, and that I should make sure the alert system was activated against any further fraud. The individual, calling himself XXXX from Bank of America, told me my debit cards should be disabled and new cards would be mailed to me. They only asked for the last 4 digits of my debit cards in order to " disable '' them. After that they told me that in order to " opt in '' the alert system, the IT team was going to " generate a wire order '' and that to opt in I should answer YES to the confirmation request on my phone. I became suspicious and asked how I could be sure they were indeed from Bank of America ; he told me to look at the phone number they were calling from, and XXXX the numbers for BOA listed on the internet. It was indeed XXXX XXXX XXXX XXXX ( I do have that called on my phone log, with the duration of the call, over 2 hours ). He was extremely courteous throughout, and sounded exactly like what you'd expect from a top customer service. I did follow the instructions, even though I was not feeling completely reassured. After that they attempted to generate more wire transfer order, allegedly to include all accounts in the alert system. They did not succeed and when I told them this call was too long and I had other things to attend to, they thanked me in an apologetic and somewhat discouraged tone, and the conversation ended. 
By then I felt very uneasy, and rushed to the bank branch to report what had happened. 
They looked at my accounts on line and observed they had somehow had had access to my accounts, and had moved money from all my accounts into one single one, and attempted to transfer over {$90.00}, XXXX, but had failed. Unfortunately, in their first attempt, they had managed to transfer out over {$16000.00} to a XXXX account with a name and an account number. I filed the complain, froze the said account, and when I asked them if I should notify Law enforcement or if they were going to, they shrugged off that question, indicating to me that I was going to be " fine '' .... 

A few days ago, I received a letter from BOA saying they were unable to recover the funds and they considered the matter " closed ''
Product: Checking or savings account

Bank account, had traces of fraud. Bank did not attempt to contact me by email or phone in regards to account having unusual activity. Multiple stimulus checks were deposited different names of people, And unauthorized transaction were made through my XXXX account. The bank didnt not attempt to contact me until 2 days later when my bank account was left at XXXX. I attempted many times to resolve this issue with the bank directly and had no luck. I soon had a police investigator look into the matter and they refused to release any further information, and soon froze my account and denied me access to my XXXX account. Since then the bank has failed to grant me any further evidence for the past year that may help me resolve this issue.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud and on their platform, leaving my account vulnerable and unprotected. Further more, their dispute resolution processes was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

Chase bank and XXXX XXXX offer a co-branded card, " XXXX XXXX XXXX ''. My family recently upgraded to this card which costs > $ XXXX for the benefit represented as " XXXX XXXX XXXX XXXX - access to XXXX XXXX  at airports. XXXX members of my family are authorized cardholders, each with their names on their individual credit cards. My daughter was traveling today XX/XX/2022 and was denied access to the XXXX XXXX at XXXX XXXX  ( XXXX ). After calling in, and MUCH trouble, which included a malfunctioning customer help line at XXXX, being hung up on by XXXX supervisor and numerous required repeated attempts to validate on their automated system to get back in touch, I was told, yeah, that's only for the " primary '' cardholder, my wife. I am sick and tired of this bait and switch game - we have NEVER once tried to use a card benefit advertised by these bozos and NOT had a problem! This is a pattern. They are engaging in predatory false representations to steal money from people. In this particular case, you have got to do something and force them to disclose clearly the limitations of any benefit they are touting BEFORE the customers agrees to pay money for the " service ''. This is a systematic abuse, in my opinion, after long experience with these companies. You should investigate this practice. I am not a fan of government regulation. But this is the poster child for it. Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. Community  Bank Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus
Product: Debt collection

On XX/XX/18 I received a bill from IC System for XXXX XXXX. I sent a letter of validation on XX/XX/18 and to date, they have not responded, which is over XXXX days. This company has also listed this amount owed with my wireless carrier. Until this is removed, I am not able to make any kind of payment arrangements, upgrades or obtain them for internet.
Product: Debt collection

I have been contacted repeatedly by Portfolio Recovery Associates in regards to account XXXX, this account is over 7 years old, and should no longer be on my credit report. They have illegally re-aged this account to make it appear newer. When I wrote to them asking for validation, I did not receive a response. They call me from different numbers numerous times a day, and will not stop. I am attempting to get my finances organized, and their attempts to collect a debt past the statute of limitations, and their illegal re-aging of the account are preventing this from happening, and I do not feel this is fair.
Product: Checking or savings account

XX/XX/18 I contact my XXXX XXXX account customer service dept because during the week prior I had transferred funds from my investment account into the cash account but those funds were not there. Rep instructed me to pay out of pocket and go home, get a confirmation number off my computer and call him back with it. Confirmation number didn't exist and was no where in my email or on anything I could access. 

XX/XX/18 Contact XXXX customer service again, funds still not available. Rep was very dismissive. Said he wasnt sure what my problem had been but he was able to complete the transfer. I should see it in 3-5 business days. 

XX/XX/18 Money still not there. I call again, and the rep ( XXXX I believe ) explains he's not seen this happen before but there is a pending transfer and he can't tell why it hasn't been completed. He takes my phone number and says he'll call me back when it is straightened out. 

XX/XX/18 XXXX finally calls back. I miss the call, call back and speak to another rep. She says it's been resolved and should be able to make the transfer online now. I'm concerned because I was told this before and it didn't work. I wasn't near my laptop and couldnt verify. Also irritated that I'm still waiting for my money and ask to speak to her supervisor. XXXX assures me it has been corrected and says she'll email the brokerage side and see if they can rush the transfer for me. I ask to be copied on the email and she refuses to do that. She tells me she will call me back with an answer later. She does call back, but leaves no explanation on my voicemail and I'm at work ( which I told her I would be and she should leave a message. ) Says she'll be gone in another 1/2 hour so I dont have time to return the call. I finally get to my laptop and try to make the transfer myself AGAIN and the online interface tells me it has not been scheduled. 

There are consequences for people like me when I don't have access to my money. I've been more than patient.
Product: Credit card or prepaid card

For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ XXXX XXXX  account # XXXX has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX. This creditor has violated my rights. 

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

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Student loan

I recently filed a complaint with College Ave Student loans on XX/XX/XXXX with complaint ID number, XXXX- Please review as this complaint pertains to that. i recently completed paying off this loan with XXXX XXXX XXXX, a debt collection service agency. I came to a term agreement and paid off the selected amount to get rid of this loan. the loan was then put to XXXX and i was told i no longer owe anymore money to college ave. I also did not pull out any other loans from this company besides in XXXX and XXXX, which have been paid off. they are now trying to scam me and charge me another XXXX, despite having to refund me over XXXX XXXX  due to overcharging me for the loan. it is necessary that the fees be revoked and that i do not owe any more money to such a terrible agency that is trying to steal money from college kids. Plus, i was told if i pay on the college ave website, who NO longer has control of the loan, my payments will go nowhere! and the company XXXX no longer has the account because it is paid in full. college ave is not responding to me and i am left with no other choice.
Product: Mortgage

I had XXXX XXXX on XXXX XXXX, XXXX and was unable to work for a few months. I returned to work XXXX XXXX, XXXX. In the meantime I was waiting for my short term XXXX to pay for the time I was scheduled off due to my XXXX approved XXXX. I finally received my payment on XXXX XXXX, XXXX. I am the sole provider to my household and fell XXXX months behind on my mortgage payment. On XXXX XXXX (? ), I contacted my mortgage company, Chase Home Finance and informed them that I was receiving my back pay and would like to schedule my payment to bring my account up to date. I scheduled {$2100.00} to debit from my XXXX XXXX XXXX XXXX XXXX account ( XXXX ) on XXXX XXXX when I can be assured the funds would be available. I waited for the payment to post which never happened. On XXXX XXXX, I checked my account on chase.com to see the payment was reversed. I immediately paid the payment in full through XXXX XXXX  who charged me {$89.00} for fear that I would lose my home. I contacted XXXX who said the payment did not process due to an " error '' and that I was still going to have a late payment sent to the credit bureaus. This is not fair. The money was in my account, it is not my fault Chase 's computer systemed errored my payment, I had to pay XXXX XXXX {$89.00} to get the funds there immediately and then I received certified mail a few days later XXXX letter was dated XXXX XXXX, XXXX ) stating an intent to foreclose on mortgage. Why did I pay {$89.00} to have the funds there immediately and still receive a letter. I should n't have a negative reporting on my credit report b/c it was not my fault the payment was late. The envelope sent to my home clearly read at the bottom " intent to foreclose '' so everyone can see. It is none of anyone 's business if I am behind on my bills due to an unexpected illness. My children saw it and became scared. I had to reassure them it was a temporary set back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX has not comply with the FCRP law, I have sent validation letters to prove the accuracies of my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX  XXXX  I have no known acknowledgement and accounts have been sold to a third party so I want documentation on how much they sold the account for and yet to respond. After 30 days of no validation accounts should be removed. I have a fraud alert and credit monitoring and I have not been spotting for credit and I have so many inquires that I didnt request that I will like removed. This is so frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CARMAX AUTO FINANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding to the incorrect information on my credit report. I have long requested for these to be removed by the XXXX bureaus, but they have no action on this matter. These inaccurate information are severely affecting me, so I am once again requesting their removal. This time, if the XXXX bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Product: Money transfer, virtual currency, or money service

Bank of america is taking too long to update the transaction records so i am unable to cash out my XXXX account.
Product: Consumer Loan

This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!
Product: Payday loan, title loan, or personal loan

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against One Main Financial regarding an error on my account. My name is XXXX XXXX XXXX, and my One Main Financial account number is XXXX. Despite my multiple requests to satisfy my account as paid and closed, my account still shows a balance owed. 

On XX/XX/XXXX, I requested a payoff amount, and I received an email copy of the payoff amount, which totaled {$8500.00}. I made two regular payments of {$440.00} in XX/XX/XXXX and {$350.00} in XX/XX/XXXX. Since XX/XX/XXXX, I have made several principal payments totaling {$11000.00}, and a final payment of {$240.00} on XX/XX/XXXX, which was supposed to satisfy my loan according to the representative. 

Despite these payments, I have received an email stating my statement is available, and my mobile app still shows an outstanding balance. I have attached my final payoff document and a screenshot of my payment history for your reference. 

I have contacted One Main Financial multiple times and was told that my account would be closed after a payment was made, once on XX/XX/XXXX, and again on XX/XX/XXXX. Today, I made an additional payment of {$310.00}. However, my account remains open, and I feel scammed and frustrated. 

I am questioning One Main Financial 's accounting practices and would appreciate it if you could investigate this matter and reach back out to me with a resolution. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone using my SSN and other type of Identification to open and get Loan, Bank Accounts and replace credit cards, XXXX XXXX, XXXX XXXXk, XXXX XXXX XXXXXXXX, Citi Bank, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my submission, I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? Also, I didn't receive any ( not one ) of the correspondence that I requested in the last complaint. 
You ( Equifax ) didn't provide any of the information I requested by law for you to provide. 


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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering All of this is grounds for removal by law. 

1. The Original Contract With My Signature On It ( DID'NT PROVIDED ) 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) ( DID'NT PROVIDE ) 3. The Payment History and Itemized Billing Associated With Each Account ( DID'NT PROVIDE and No Correction 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) ( DID'NT PROVIDE )
Product: Debt collection

HarvARD COLLECTIONS ADVISED THEY WOULD DELETE MY COLLECTION IF I PAID THEM {$1700.00}. I BROUGHT THEM CASH AND THEY GAVE ME A DELETION LETTER BUT THE CREDIT BUREAU KEEPS SENDING INFO THROUGH XXXX XXXX ASKING THEM TO VERIFY THIS ACCOUNT SHOULD BE DELETED AND THEY WILL NOT RESPOND. THEY TELL ME THAT XXXX SHOULD CALL THEM. XXXX TELLS ME THAT HARVARD SHOULD CALL THEM TO REMOVE IT. NO ONE WILL PICK UP THE PHONE AND CONFIRM IT NEEDS TO BE REMOVED OR SEND THE INFORMATION THROUGH XXXX XXXX TO CONFIRM IT NEEDS TO BE REMOVED.