23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Payday loan, title loan, or personal loan

I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job
Product: Checking or savings account

This complaint is for Chase bank. XXXX My husband lost his wallet including his chase debit card, containing his driver 's license and social security card. He reported this immediately and banks sent him new credit cards. He never received his new Chase card, as well as lost his old one. XXXX/XXXX/XXXX : someone deposited {$2800.00} in our account with a fake check, at the same time withdrawing {$500.00} XXXX/XXXX/XXXX : this person tried to withdrawal {$4100.00}, {$3800.00}, as well as {$800.00} ( transfer ) from our account from various Chase branches through the XXXX area. These amounts went through even though my husband and I do not ever withdraw large amounts from our account, only using it for automatic payment of credit cards. We noticed these suspicious activities and one bank branch did as well, froze our accounts. All through these deposits and withdrawals NO ALERTS were given or notification of suspicious activity to us, even though these activities were clearly irregular. XXXX/XXXX/XXXX : my husband and I went to the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX to address these fraudulent activities. We spent 4 hours there opening a new account transferring our money over ; and filing paper work regarding the fraudulent activities. Over the course of XXXX and XXXX our money was credited entirely back to us. On XXXX XXXX Chase took back the {$800.00}, and XXXX XXXX Chase took back {$500.00}. After repeated visits to the bank, we escalated this to their Headquarters. My husband after multiple emails with the Headquarters people, they are refusing to give us our money back based on some small paperwork detail from the initial XXXX visit. They are saying that 'we said we did not receive the new chase card, but it was activated some how '. Again, we never received the card. We do n't even know which card, old or new was used for these CLEARLY fraudulent activities. Chase can not tell us either which card was used. I just want my money back, the {$500.00} and the {$800.00} which they are refusing to return. The larger amounts are apparently 'safe ' as they are FDIC insured. We are going to leave Chase and also file a small claims or get our attorneys involved.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute items reporting on my credit profile with Transunion to update my personal credit information. They have failed to update or correct the inaccurate information they are reporting. I feel as though not only are they violating my rights as a consumer, but these inaccuracies could be negatively affecting my financial and personal well being as it relates to my credit report. 

They are currently reporting the following items on my credit report incorrectly : Date of birth Home address Employer Phone number I have reached out to them on multiple occasions in an attempt to correct these incorrect items on my credit report and they have failed to respond to my request or update my credit profile.
Product: Money transfer, virtual currency, or money service

I never received an item I ordered from XXXX. I filed a dispute with Cash App on XX/XX/2021. I've yet to hear anything about my dispute and in the policy cash app stated it's 10 days until I hear anything and still have yet to hear anything from cash app about my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late in the month of XXXX only XXXX. They are telling me when you they report absolutely not following Federal consumer guildlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XXXX Inquired on XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was approved with Amerisave for a cash out conventional mortgage. I knew there would be title issues and conveyed that at time of application. The loan officer, XXXX XXXX was rude and arrogant. He made me try to get the mortgage payoff. I have Worked in the mortgage industry for 30 years. I have never asked my borrower to get the payoff! Theres not a title company around that would accept a payoff directly from the borrower! Claimed hed have good information ( for the title issue ) prior to my appraisal being done so that so I wouldnt have to waste money- He was not able to answer any of my questions. His replies would be are you going to send what we need or not. Or I don't Have to tell you every single thing thats going on. I asked Him to clarify and hed reply I dont t know what youre confused about. Or I dont know, thats titles job. It was The worst experience. Today I cancelled my application because I could not deal with my loan officer being so rude and arrogant. Clearly incompetent. Worst experience!
Product: Credit reporting, credit repair services, or other personal consumer reports

FirstBank mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
FirstBank failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, FirstBank had already submitted a negative report to the credit bureaus. This is not right. 

FirstBank failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, FirstBank 's incompetence, and continued indifference has resulted in a significant impact to our credit scores.
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. 


Account name : XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX 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: Money transfer, virtual currency, or money service

Scammed out of $ 9.000+ between XX/XX/XXXX & XX/XX/XXXX Discovered the extent of the scam upon my return from XXXX XXXX on XXXX XXXX XXXXScam began on XXXX website where I 'met ' XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXHe later asked for money for his daughter who was in SC in the care of his nanny XXXX XXXX. the funds were sent XXXX/XXXX/XXXX {$2200.00} & XXXX/XXXX/XXXX {$2800.00} via wire transfer from my bank Chase located in XXXX, WV to her bank XXXX XXXX in XXXX SC. 
Once I knew for sure that I had been scammed, I searched the internet to find out how to report this fraud.I contacted my Bank, filed reports with ICCC & the XXXX County Sheriff 's office. 
As of XXXX XXXX, Chase will not allow me to bank with them. 
On XXXX XXXX, XXXX Chase sent me my bank statement for XXXX XXXX. 
Today, XXXX XXXX, XXXX I am sending a consumer complaint to the WV Attorney General 's Office Attn XXXX XXXX XXXX, Mediator asking that my funds and banking privileges be restored as resolution.
Product: Money transfer, virtual currency, or money service

Reason ( s ) for complaint : 1 ) Navient cashed my tax return cheque after I settled my student debt. 

2 ) Navient refuses to prove the tax refund was sent via mail to my home. 

My debt with Navient was resolved before I filed my taxes. Navient received my tax return on XXXX XXXX, 2017. They supposedly mailed it out on XXXX XXXX to my home. I called to verify a week after XXXX XXXX and the lady replied that yes, it 'should ' have gone out. Over three weeks have exceeded from the initial mailing date and Navient still refuses to provide any additional information. I have received several pieces of mail from Navient within the last few months, but the cheque still has yet to arrive and Navient refuses to work with me. Customer service said it should take 7-10 business days the first time I called. Then they said two week the second time I called. Now they said I have to wait at least thirty days. I feel they are trying to put me off so I would give up and they will keep the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that these fraudulent accounts that was open in my name to be removed along with the addresses that I never lived at. I never once applied for these accounts online nor have I sent in any applications. Two accounts from XXXX XXXX, One account from XXXX XXXX XXXX. These two address XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX.
Product: Credit card

A fraudulent charge for {$200.00} was charged to my Capital One credit card on XXXX XXXX XXXX. My husband ( accountholder ) called to report it and cancel the card that day. The charge was removed, then placed back on the account the next day. I received a letter stating it was because " insufficient evidence of fraud ''. 

Since the XXXX of XXXX I have called Captial One XXXX times to reopen this investigation and provide information. Each time I call I am given different information on the evidence I need to provide, the process, and the timeline. 

They were not able to help me on the XXXX ( XXXX calls ) because they could not find my information. 

On XXXX XXXX, I was told I needed just a police report number to reopen the investigation. I filed a police report and on XXXX XXXX, was given the police report number I needed from the XXXX Police Department. 

I called on XXXX XXXX with this information. I was then told I needed several pieces of information ( after being on the call for XXXX minutes ). I called the detective and retrieved the information. He stated Capital One usually calls him to verify. Then called Capital One back with my information. I was then told I needed to submit a copy of the police report ( new information ). I explained that police report in Hawaii are not given out until an investigation is closed and only given out in-person, not electronic. The fraud XXXX stated he would note that and I should hear back in XXXX business days. 

My latest calls, XXXX XXXX - XXXX business days later, I was hung up on ( after XXXX minutes ) by the first fraud XXXX I spoke to. The second fraud XXXX actually called the detective and police station. When I asked why this was not done on XXXX XXXX, she had no answer. I asked her to provide me with evidence that Captial One is doing it's due diligence in investigating my case. She said not only could she not provide me with any information ( all internal ) but she ( or another Capital One representative ) also would not contact me if there were any questions or resolution on the investigation as they " have no way to communicate with the cardholder externally ''. 

Capital One is not doing its due diligence nor following it's own procedures in this case. On it's website, Captial One states " The letter we send you should provide information on what steps are still available to you if you're dissatisfied with the dispute resolution. The letter will list the additional documentation youll need to continue your dispute and how to submit that documentation to us via fax, mail or a secure link. '' No additional information was sent in the letter other than " insufficient evidence of fraud ''. 

I understand they have 90 days to resolve this dispute, but I am concerned that they are purposefully trying to make this process difficult ( no information in letters, hanging up on me, not finding me in the system, and refusing to communicate information ) in order to profit off my fraudulent situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis keeps putting someone else who has a completely different name from me, different address and driver 's license number on my report. And it has caused so much trouble for me for my auto insurance. Their dispute process takes 30 days to process.
Product: Debt collection

I received a letter from this company to learn I had multiple account for XXXX XXXX hospital in their office. Being this was the first time I had heard about these I called right away to ask to make payment. Initially the first rep used scare tactics to obtain my employment information. I refused and provided him with my personally identifiable information and refused to answer the unnecessary employment question. The rep then became very abrasive and combative when he gave me an amount different than the bill amount ( {$430.00} on the bills and he told me {$860.00} ) so I asked to speak with someone else. At this point I was placed on hold for several minutes at which point the rep ( XXXX ) came back to the line and it appeared he had no one else on the phone with him nor did he say anyone else was on the line. He told me if he transferred me I would have to go through this again, is that what I want!?. Taking this as a threat I once again asked for a supervisor to which point another rep named XXXX XXXX abruptly and without warning chimes in on the call and started to hammer me again for the verification information. XXXX was gone and I was now being asked again about my employment. At this point when I declined I was confronted with why I was refusing the information. When I responded asking why it was required XXXX proceeded to tell me it was federal law that I verify my employment when asked. Given I knew this was a lie and yet another scare tactic I asked to speak with XXXX XXXX or XXXX XXXX. XXXX then responded to that request with, why is it because shes your Aunt? Offended and further threatened by me a his XXXX seeming knowledge of my aunts name and employment I hung up the call in a fear for being threatened by this XXXX. He told me if I hung up Id never be allowed to call there again and they would refuse my payment but I hung up any way. I want this investigated and XXXX to be reprimanded
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) & Bonniville Collections XX/XX/2018-XX/XX/2018 I am being charged for something my XXXX & my self has paid for in which I did not get the full complete service. It was sent to collections and is gaining interest each month & has ruined my credit. I have put in Multiple Disputes to XXXX as well as XXXX and have been denied even though I show proof and claims from my insurance and bank statements. I have reached out to both XXXX XXXX and bonniville but they still will not give me a break.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt.

4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681s-2 Send over information that is being requested in the letter for arbitration purposes.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSAACTIONS DONE BY ME.
Product: Credit card

The Capital One Credit card company sent a credit card letter stating that they closed my account on XX/XX/year>. They stated no adequate reason for doing so. I then called the company and they refused to give me any other understanding reason on why they did so. The closing dropped my credit score a whopping XXXX points. They gave me deficient info regarding why they did and didnt want to give me any more info on the matter.