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

On XX/XX/2021 XXXX fraudulent XXXX transfers were taken from my personal account totaling {$1100.00}. I called Bank of Americas claims department and an associate told me that Bank of America holds no accountability when it comes to XXXX and that it was not her problem. She gave me a XXXX number for XXXX but said that I am not likely to get through to anyone. I called again and spoke to an associate from Bank of America who explained that XXXX used to be convenient and safe, but now it is an easy way to lose your funds. I still have the text when Bank of America asked if I approved the transaction, I texted No. I also logged into my online account and requested my funds back through XXXX. How can Bank of America hold no accountability for XXXX, when they offer it through their website. XXXX is on their homepage, but they do not trust XXXX. Why would anyone keep their hard-earned money in a bank that promotes third party companies and can not back them up? They claim that they have nothing to do with XXXX, but they do. The last conversation I had was with a much more compassionate associate who explained to me that it could accept to forty-five days to complete the investigation. It has been two-weeks and still no refund, claim number, email, or any sign that I even inquired. I have been a loyal customer of Bank of Americas since I was a teenager. I have direct deposits, a business, personal, and a savings account with them. Lately, every time I have tried to contact them, I am on hold for over an hour. I suppose I have to take tomorrow off so that I can go in-person to a bank teller that may be a bit more helpful. As a single mother, I am still recovering from an XXXX XXXX  XXXX, take care of my children, my XXXX XXXX father, and can not afford to have my funds taken away and left with no accountability. I was told that one refund of {$580.00} was stopped and the other one of {$580.00} is being disputed. This is not the case unfortunately. Thank you ahead of time for your patience and understanding, Gratefully, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I cancelled a service XXXX 2016, I recently received my credit card statement for the month of XXXX and realized that this company billed me TWICE in the amount of {$59.00} for a service I CALLED AND VERBALLY CANCELLED TWO MONTHS PRIOR.. CALLED AND Spoke with a agent who confirmed that I have not used these services but told me that my money WILL NOT BE REFUNDED ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a identification theft report to XXXX on multiple occasions with all my information showing that where I live I own the house my copy of property tax from state I reside my license is another state I submitted proof. Via certified Mail same to checkr. Late payments and closed accounts deleted off my reports. Delete all traffics tickets and violations off checkr
Product: Bank account or service

On XXXX/XXXX/2016 I submitted a debit card dispute from my XXXX purchase in XXXX, XXXX. When I got home from XXXX, I read about all these XXXX scams in XXXX-where I purchased from their factory. I read articles that jade is enhanced for mass production and called XXXX and there is no way to tell if the jade is real or not. No one in my XXXX group bought any jade. Only I made a purchase at the jade factory in XXXX. I was concerned that I 'd been taken for granted by my tour company-who admitted that the tour guide was no professional. Now that I got back from XXXX, XXXX, I realize even more that emeralds are a form of jade. And emeralds have to be very dark and polished to be considered a precious stone that is worth the money I paid. When I hold the jade pendant up to the light, you can see through it. That 's not real emeralds or jade. Rep, XXXX XXXX, gave me a temporary credit. Now USAA wants their money back and USAA knows I am traveling again overseas to XXXX because U go through their USAA Explore and TRavel Agency in XXXX, AZ. I feel USAA is retaliating against me for complaining and closing my bank accounts. I closed them because of the fraud charge from XXXX/XXXX/2016 that was not resolved and I felt was an inside job at USAA. I attached the proof that USAA wants their money back but can not find the merchant 's rebuttal. In fact, I can guarantee that USAA ( who usually only has ten business days from the date of the dispute ) is retaliating against me. It makes me very angry. I 'm afraid USAA will re-open my account to make me pay for the {$110.00}. I believe I argued for less but XXXX or XXXX wanted me to get all my money back. THey exceeded their ten business days investigation.
Product: Credit card

I made a {$730.00} purchase in XXXX that resulted in the company charging me for items not received. I disputed this charge with Synchrony Bank and won the chargeback. Synchrony Bank issued too many credits and made adjustments for me to pay those credits back XX/XX/XXXX. I agreed and paid for the adjustments added to my statement. The issue is PayPal is saying I still owe {$270.00} for this transaction that never originated through them. I have documented proof of a XXXX balance with my credit card company. Synchrony has received money not owed to them and refuses to send it to PayPal to clear my account. I have lost use of my account and can no longer see any pertinent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Experian & they replied its my Debt?

My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
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 on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

XX/XX/2021 amount of {$3100.00} and action taken by the bank without my knowing and Yes I wanted to file a complaint against Wells Fargo I was given a gift for financial support and wells fargo is closing my account and not letting me access my account
Product: Mortgage

Due to an error in automatic payments my mortgage was delinquent for 3 months. Mail to the address was not being delivered because it was being remodeled and the USPS erroneously held my mail without my request to do so. Once my mail was being deivered again I noted the error and made a bulk payment to pay my missed payments. Now that it is on autopay, everything seems to be working. HOWEVER- the mortgage company holds over XXXX in escrow and despite NUMEROUS attempts, they will not mail me a check. Making matters worse, they somehow applied a portion of my escrow balance to my mortgage in the middle of the month without my consent. Now the city is placing a lien on my property and I am unable to speak to a manager at AmeriHome because their representatives are either poorly trained and will not transfer me or they are inept and can not access information on their own system. I feel like they are holding me hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

No knowledge of this account. Reported to federal trade commission website
Product: Checking or savings account

Since my last complaint to Bank of America and the CFPB my bank of america checking account does not work the same and I will be closing it soon. Today i was charged {$35.00} for an {$8.00} overdraft fee which the bank did not notify of or give me a chance to correct even though I added money to the account shortly after I noticed.

I had a similar issue a few months back and since then my account has not worked the same despite me being a customer for over 10 years. for example in the past i was notified and the bank would give me up to 24hrs to add money to me account.

When I spoke to the customer service rep she said there was a block on my account that is not allowing her to issue a credit for the {$35.00} fee I received for an {$8.00} charge despite the ceo saying back in XXXX they would no longer charge overdraft fees. and for my account to be singled out despite being a customer for over 10 years sounds like someone in bank of america 's customer service department is abusing their power.
Product: Payday loan, title loan, personal loan, or advance loan

Loan has always been paid ONE WEEK EARLY and is 1 payment AHEAD. From last payment ( XX/XX/XXXX ), they said my XX/XX/XXXX payment was never made. It was made, I proved to them through bank statements and their own online verification system that it was paid. They agreed it was paid. ( See ticket numbers XXXX, XXXX ). They also agree it was a " XXXX bug on our part ''. 

I continue to get daily calls from various agents making demands for payment! This has been going on for weeks. I just got off the phone with them again. They clearly recognize a bug in their system, admit that it happened to me and " Many others '', but still call and harass me daily for payment. I have to re-educate the new caller on the situation. This is getting super old. 

Please help. If you can.
Product: Checking or savings account

My complaint is in receiving a stated bonus for opening a checking account. After completing all the requirements a bonus of XXXX should have been paid on XX/XX/XXXX. After a Number of calls and speaking to a number of representatives in many departments and always getting a different story leaves me no choice but to file a complaint. Could this offer be a scam? My offer number is XXXX, and the account was opened in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Money transfer, virtual currency, or money service

I was to receive a wire transfer on XX/XX/XXXX from XXXX to my chase account in the XXXX. The sending bank sent my name, address associated with my account and account number, except they made a mistake and sent one number off. Instead of ending in XXXX they typed in XXXX. The foreign bank was notified of the error and sent a request for call back on XXXX, they provided proof of their request. Chase Bank says they have not received this request. They also have credited the money to a different account despite the fact that the name and address did not correspond with the account number. They failed to follow their fiduciary duty of validating the transfer information before processing. They also are not helpful, I have called many times only to get different answers. I filled a formal complaint with them and they said they can not guarantee they will resolve the issue. They continue to state that the sending bank needs to send them a recall however they were sent one and the foreign bank says they can not send another. Chase was offered a copy of the recall but refused. They are aware the account they credited the transfer to does not match the other information provided but so far have refused to help, even after a formal complaint was filed. I told them on XX/XX/XXXX that I would have to file a complaint with the regulating agency and given the time it has taken already I decided to try to get a resolution to no avail, I have decided to fill out this complaint.
Product: Credit reporting or other personal consumer reports

XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
XXXX Legend is Blank. 
Experian Legend is Blank. 
XXXX Legend is Inconsistently Listed as Green OK. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns.

Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX and XXXX XXXXXXXX XXXX XXXXXXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the month of ( XXXX & XXXX XXXX  ), be updated to paid as agreed on time and NOT DELETED
Product: Debt collection

Since 2021 I have been having issues with XXXX sending me to collections based on a bill that wasnt even my fault. It was their fault and I shouldnt have to take the fault for it because of something that was failed to do on their part. In 2021 my phone was put on standby by XXXX meaning they didnt cancel the line when I asked them to, so therefore that made the bill keep going up without my knowledge, because here I am thinking that they did what I asked and canceled the line completely but that wasnt the case. I went to the local retail XXXX store and they told me by the looks of what they see on their computer is that XXXX actually owed me {$590.00} because the line was never canceled as I asked them to. The store told me to call XXXX customer service so I did and they told me that the XXXX amount that they were willing to give me back was {$300.00} credited to my XXXX account which I declined because for XXXX that wasnt the full amount that they owed me I was owed the {$590.00}, and XXXX because it was pointless for them to credit me anything for XXXX  because at that point in time I switched over to XXXX XXXX XXXX. They refused to just send me a check with all of the money that I was owed. It is very very unprofessional to make me suffer consequences for something that was messed up on the companys end. I did my part they didnt follow through with what they said that they were going to do and cancel the line. In result of all this they keep sending it to collections and it has been cause if my score to drop. It always comes back every year or every other year. I have dispute it with the credit bureaus XXXX XXXX, they give me my points back and then within about a year it shows back up on my credit Jefferson Capital Systems is the name that shows up and it says originator XXXX. Also Jefferson Capital or XXXX has never reached out to me through call, text, email nothing. They just send me to collections they arent even supposed to send me to collections to begin with but especially with no word of mouth I was told by XXXX that they arent suppose to do that. This time around I disputed it to XXXX and they had no issue giving me back my points, but XXXX XXXX give me back my points because they said I am the owner or the account which is correct but I am the owner of this account that has been falsely accused and scammed, all of the information is incorrect and needs to be fixed ASAP, please reach out to XXXX to get them to return my points and drop this collection off of my credit for good along with all the credit bureaus I dont want to see this again, very unprofessional! This is fraud and I need this collection to be dropped once and for all and I need all of my points back on my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 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 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. 
XXXX XXXX Account number XXXX
Product: Checking or savings account

I received targeted email and XXXX mailer to open a bank account with US Bank in XXXX XXXX. I met the terms of the requirement and have not been issued the bonus after the offer period was completed. US Bank has not provided adequate explanation for which transactions are considered qualifying and which transactions are not. The terms of the offer ( XXXX ) state that qualifying transactions include " Debit card purchases, Merchant deposits, XXXX credits, Wires credits/debits, Mobile Check Deposit and Bill Pay . '' Bill payments were completed from this account to XXXX credit card on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Bill payments to XXXX XXXX credit card were completed on XX/XX/2022 and XX/XX/2022. Bill payments to US Bank credit card were completed on XX/XX/2022 and XX/XX/2022. 

I have received a response that only two transactions qualified. I am seeking clarification on which two transactions those were, and why the others were excluded when they are all clearly Bill Pay transactions.
Product: Credit card or prepaid card

Good Morning Sir/Madam, On XXXX XXXX XXXXXXXX I Received A Letter From XXXX XXXX Transaction Support Center, Case # XXXX, Pertaining To XXXX XXXX XXXX XXXX Bill Payment in The Amount of {$250.00}, That Was Disputed for The Following Reasons. 
The XXXX XXXX XXXX XXXX XXXX XXXX, Purchased At The XXXX XXXX XXXX Authorized Dealer In XXXX, NY From XXXX XXXX Was Involved in A Severe And Historical XXXX XXXX Civil Rights Lawsuit, Involving Former XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both Fired For Cause ). I Have Been Retired Since XX/XX/XXXX and The Above Persons Have Some Sort of Obsession With Me, As Why Their Are Both Criminal And Above Lawsuit Pending. 

On Another Note, I Diligently Sent At least 50 Documents Showing The Following : A. Privacy Intrusions As The Above Phone Information Was Given Out By The Above XXXX XXXX XXXX XXXX Without My Permission or Authority Or Warrants. This Caused Extensive Privacy Issues, Targeted Hacking, Cyber Stalking And Safety Issues, Especially With My XXXX  Mother And XXXX Year Old Daughter. 
XXXX AT XXXX XXXX XXXX XXXX The President, XXXX XXXX XXXX Unbelievably Offered Me A Low Level Settlement, Through Fair shake, Which Was Declined for Obvious Reasons. XXXX Inquiry # XXXX on XXXX XXXX XXXX 
XXXX At least Two Complaints to The XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX And One Other. 
XXXX I Was Extorted To Unbelievably Pay For An XXXX XXXX XXXX Phone That Was Paid In Full In Less Then A Year, Received Harassing Bills On A Ongoing And Ongoing Basis, Unbelievably Several Times A Month. 
XXXX I Received Constant And Ongoing Suspension Notices, Immediately After Paying For A Phone That Was Paid In Full. 

On Another Note, I Called Capital One Journey, Phone # XXXX And Spoke To Customer Support Member, XXXX on XX/XX/XXXX @ Approximately XXXX. And Discovered The Following : A. Missing Paperwork, Solely Pertaining To The XXXX Dispute XXXX XXXX XXXX {$250.00} Which is Quite Impossible, Since I Both Sent The Above Supporting Documents Both Priority/Certified USPS Mail And Further Confirmed Receipt. 
B. This Is Not My First Problem With Capital One, As They Appear To Be Both Oblivious And Not Aware of What They Are Both Obligated And Responsible For As Credit Card Provider. We Are Appalled By Both XXXX XXXX XXXX And Capital One And Expect A Thorough And Lawful Investigation, As Its Involving All Of The Aforementioned. 
XXXX The XXXX XXXX XXXX Phone Has Been Completely Out of Service for The Above Reasons, Since XXXX XXXX 

Please Feel Free To Contact Me, If You Have Any Questions, Concerns or Require Additional Information Whatsoever. 

Thank You So Much For Your Help And Support During These Horrific And Unlawful Times, Especially In The Year XXXX? 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported since XX/XX/2014 XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX Balance Owed {$150.00} ; XXXX Balance Owed {$0.00} ; XXXX XXXX XXXX BalanceOwed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.