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

On XX/XX/XXXX, I made a domestic wire transfer through HSBC for USDXXXX and the funds have not yet reached their destination, were supposed to arrive on XX/XX/XXXX. 
I call to HSBC US on XX/XX/XXXX ( investigation # XXXX ) and after 2 weeks they informed me that the destination bank was requesting clarification about a reference on the transaction, but due to an internal restructuring of the bank, no accounting officer sent the necessary information. 
Also, I have a claim # XXXX It is assumed that they have already sent the information but the destination bank ( XXXX XXXX ) has not yet received the funds. 
Considering that the payee is my father, attached is his account Statement ( XXXX XXXX ) demonstrating that the amount was not received and also the transaction receipt ( HSBC XXXX XXXX XXXX
Product: Credit card

On my XX/XX/year> credit card statement, there was an unauthorized charge dated XX/XX/year> to XXXXXXXX XXXX XXXX in XXXX Georgia ( where I reside ) for {$510.00}. I reported it as an unauthorized charge, the charge was temporarily reversed, and the company issued a new credit card. On my XX/XX/year> statement for the newly issued card, there was an additional unauthorized charge from XX/XX/year> to XXXX XXXX XXXX  for {$1800.00}. I reported that charge as unauthorized and they issued a XXXX  card. They then referred the XXXX unauthorized charges to their Fraud Department which has steadfastly claimed that the charges were legitimate, that I received services from XXXX XXXX XXXX on both of those occasions, and that I was responsible for paying those charges. Additionally, they have repeatedly claimed that my credit card was 'physically present ' on both dates and that I 'benefitted from services ' at XXXX XXXX  XXXX. 

Until those charges appeared on my credit card statement, I had never heard of, nor had I ever done business with, XXXX XXXX XXXX. I located and visited XXXX XXXX XXXX where I was given documentation that showed that no charges for those XXXX amounts were made on those dates at XXXXXXXX XXXX XXXX, and that my credit card had never been physically presented there. I provided this information on several occasions to the credit card company. The company claims that they thoroughly investigated the disputed charges, although they never contacted XXXX XXXX XXXX  which would have resolved this dispute months ago. 

Their contention is that because my credit card has a chip, it can not be replicated and yet there is information available indicating otherwise. In addition, even if my credit card had been physically presented ( which would have been impossible since it was in my possession ), I did not authorize those charges. My understanding is that consumers are not responsible for unauthorized charges and I certainly did not authorize either of those charges no matter how they came to appear on my credit card statement. 

To further substantiate my claim, I was out of town on XX/XX/year> ( the date of the second unauthorized transaction ) for the entire day. I left town before XXXXXXXX XXXX XXXX opened, and returned after XXXXXXXX XXXX XXXX closed. My credit card statement clearly shows that I used the card twice that day in XXXX different cities : I could not have been in XXXX places at the same time, nor could my credit card have been physically presented to XXXX XXXX XXXX  on that day. 

Finally, I have used this credit card company for at least XXXX  years and I have paid the balance in full every month regardless of the amount. Because the credit card company has reported the unpaid balance for these fraudulent charges, my credit score has dropped from XXXX to XXXX. This is unconscionable. This is the ONLY blight on my record in all my XXXX  years. I am asking that this dispute be resolved in my favor and as quickly as possible. 

Thank you so much for your prompt attention and help in resolving this matter.
Product: Debt collection

Jefferson is falsely reporting a collection on an account that is on my credit that is opened, and has no negative remarks. I have never been late with this company or had an outstanding balance due EVER with them. I have told them that I got this card in 2021, and I have never had a charge off with this company. This company is XXXX. If I had a charge off with them, how would they have ever given or approved me for a line of credit with their company? How is this possible? This can not be happening it is falsely reporting on my credit and hurting me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I filed a dispute with all three credit agencies asking for an investigation about the balance reported incorrectly, the close date missing, the date of the last payment missing, the charge-off amount was reported to XXXX XXXX and reported to XXXX & Experian for {$2900.00} after this account was charge-off and closed on XXXX for the amount of {$2400.00} on XXXX, the company illegally add an extra {$480.00} dollars after requesting proof of payment history, the company sent me a transaction history with no explanation or record of the added {$480.00} dollars and all the extra data for the payments missing. 
XXXX XXXX has reported my account XXXX times 90 days late to XXXX and Experian I need to find out what happens with all the data for payments that are missing in XXXX, Experian, XXXX please help me resolve this abuse by this company and make sure the information is reported 100 % accurate. 
to all of the credit agencies. sorry about my grammar but XXXX is my second language I will attach a copy of all three credit agencies ' reports for your review.
Product: Checking or savings account

When I first opened my accounts ( business checking, business savings, personal checking, personal savings ) at Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, I was told by the bank representative that if I opened an associated savings account with the business checking and personal checking and maintained a balance of {$25000.00} across all accounts that there would be no account fee on any of my accounts. I now come to find that there has been a fee on my personal account since the day that I opened my accounts dating back to 2015 up until today. I complained to the local banking representative and he refunded 6 months of fees back into my personal account, but told me that a Wells Fargo specialist would be calling me to go over my complaint. The specialist contacted me and stated to me that she would be opening a Case to address my complaint and that she would investigate and get back to me. My Case # is XXXX. The specialist got back to me and told me that Wells Fargo would credit my account for {$50.00}. She explained to me that it was the Wells Fargo 's employees fault as the employee did not know what she was talking about. The only reason that I moved my deposits from a competing bank was that I would not be charged any banking fees. I would not have opened 2 savings accounts other then that was a requirement to avoid paying any banking fees. So, I opened the accounts to include the 2 savings accounts and I maintained the minimum {$25000.00} across all 4 accounts and I was still charged a banking fee on my personal checking account. Wells fargo needs to stand by their employees and not blame them for a detrimental company policy regarding banking fees. I want all the money that Wells Fargo took out of my personal checking account, in the form of banking service fees, going back to 2015. Many thanks for all your help regarding this matter.
Product: Credit card

Dear team, On XX/XX/year> I made a full refundable airplane ticket purchase on XXXX XXXX. The Credit Card company is refusing to reimburse the full amount saying that the ticket is not fully refundable. 

I have provided many times proof that the tickets were sold as refundable ( I have attached them screenshots of the purchase process and options selected ), but they keep on denying full reimbursement. 

I am attaching cancellation confirmation, original booking with booking code I, ticket as shown on XXXX XXXX webpage as refundable ( booking code I ). 

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

XXXX, Transunion and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Product: Debt collection

XXXX sold my information to multiple parties which lead to disturbing phone calls harassing me and about loan and debts that Im not aware of
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hold of my credit report and noticed there were numerous inquiries on my credit report. These were not authorized and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my personal loan ( amount {$770.00} ) with Navient as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX ( a XXXX ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that Navient continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from Navient reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, Navient needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.
Product: Credit card or prepaid card

This is for a Capital One/XXXX XXXX XXXX. I last used the card on or about XX/XX/XXXX at XXXX. I must have dropped or left the card behind and someone picked it up. This person then went to XXXX XXXX and XXXX  and over the next few days charged {$5800.00}. on this card. Because I don't use this card every day it took a few days for me to noticed it missing. Before reporting it to CapitalOne, I locked the card. I then checked my account balance at the same time that I was checking my other accounts. This is when I discovered the charges. After several attempts to report as unknown I called, that was on XX/XX/XXXX. CapitalOne credited me with those charges. 2 days later they put the charges back on my card. I have sent them a notice several times but they have not removed those charges. CapitalOne has a {$0.00} fraud, but they will not live up to that promise. They have NOT supplied any proof either by mail nor by phone calls to explain what was purchased. Since I do not shop at XXXX XXXX and In very rarely shop at XXXX  simply because I can shop at XXXX who is also my employer and save with the discount.
Product: Debt collection

I sent letters to the collection agency and all credit bureaus to clear up this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Esusu, also known as XXXX XXXX XXXX, is a business headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX New York XXXX. They are a foreign company but operating in the USA. 

Esusu is a company that reports monthly rental apartment payments to the credit bureaus, therefore affecting Consumers credit scores. They often report to the wrong Consumer 's credit report and those Consumers need to be able to reach Esusu to clear up Esusu 's mistakes.

I have tried to communicate with Esusu by phone but their phone lines disconnect after a brief message. I reached out to them by email and they replied that they do not accept phone calls. ( Please see the attached email thread and please take note that my email to them was at XXXX XX/XX/XXXX, not XXXX on the XXXX as their email thread implies ). 

There are many elderly individuals who do not have the ability to use computers and send emails. I believe Esusu is in violation of certain consumer protection laws by not being available by phone while being a company that reports to the credit bureaus. I believe they also need to have a valid phone number to hold a business license. 

I plan to also submit this complaint to other government agencies where applicable, such as the New York State XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times about the inability for me to obtain my Experain credit report and score. Recently I have applied for credit from 2 banks, and they have not been able to obtain my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to correct the information in my credit report but have been unsuccessful. My first dispute was not acknowledged. Experian continues to add and remove items on my report that are still incorrect and fraudulent. Multiple alleged accounts are on my credit report with. Multiple addresses and names that have no association with are still on my credit profile. XXXX I sent a dispute to Experian with certified mail to keep record of my request and the time they have by law to correct this issues. These account could possibly be identity theft and effecting my ability to access credit that I and live a peaceful life. 

15 U.S. C 1681 C-2 5 U.S C 552-A
Product: Credit reporting or other personal consumer reports

I was going over my credit report a noticed it was some inquiries there that where not made by me. I have been the victim of Identity Theft. I reached out to TransUnion by mail and by phone and they have failed to help me. In accordance to the Fair Credit Reporting Act has violated my rights. 
15 U.S. Code 1681 Permissible purposes of consumer reports. A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please delete these inquires from my credit report immediately. 
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
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BANK OF AMERICA XXXX ...., BANK OF AMERICA XXXX ....
Product: Consumer Loan

XXXX/XXXX/2016 Bank of America credit card statement. As soon as monthly statement cut on XXXX/XXXX/2016, I electronically scheduled to pay the minimum payment as presented on statement. I did not know what the minimum payment would be until after the statement cut on XXXX/XXXX/2016. Bank of America applied this XXXX/XXXX/2016 payment ( posted XXXX/XXXX/2016 ) to the XXXX/XXXX/2016 statement even though they previously applied a XXXX/XXXX/2016 minimum payment to this statement and after the XXXX/XXXX/2016 statement was cut. Why would BofA apply a second minimum payment to a statement that had already been cut? Why tell me what the minimum payment is for next minimum due before they are ready to apply payment to appropriate statement??????? My conclusion - CEOs & CFOs lay awake at night scheming to rip off customers next day. This is a prime example. Even though they did credit late fee charge, now my new minimum payment due is {$45.00} " past due payment '' plus current {$44.00} for new payment due of {$89.00}. I have asked for a corrected statement to no avail, even though XXXX customer service reps including a supervisor told me one would be sent. Preposterous. And banks do not understand " lack of trust '' in financial institutions. I feel like the bank has committed fraud against me even though I had to talk to their fraud department to get the " late fee charge '' reversed. 

How can it be that BofA can tell me what the minimum payment is before BofA can apply an online payment for that minimum payment due?????????????????????????????????
Product: Debt collection

I had a XXXX debt added to my credit report that I have never received any communication about and was not allowed the opportunity to dispute the item or ask for information to verify. I moved recently and have attempted to communicate with company through email about disputing the item but never received a response or call. I believe the company is not following laws by not sending communication to me and allowing me to respond to it, instead they reported it to the credit buries dropping my near perfect XXXX XXXX down due to a small debt. If the item would have been verified and I received the documentation necessary showing it was owed, I would have worked with the company. Again, I believe the medical debt is incorrect and I do not owe a balance. I ask it is immediately deleted from my credit and the company sends the required documentation and allowed me to dispute the item without punishing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( Equifax, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a  you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all XXXX  loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX XXXX and XXXX XXXX
Product: Debt collection

I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. The date of last activity shows a six month difference in the reported dates across all three bureaus. How is this possible if the bureaus are getting their information from the same source, XXXX Bank? I have written letters to XXXX Bank and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 at XXXX I received a call on my mobile device, displaying " Bank of America '' on caller ID. I answered to hear a pleasant voice of a gentleman on the other end. He was calling to inform me of " suspicious '' activity on my card. He went on to inform me of the purchases and the amounts of the purchases made on the card ending in " XXXX XXXX XXXX XXXX ''. He knew the last 4 digits of my bank card. He went on to provide further purchases I had legitimately made and the stores I had made them at. He knew of my transactions. Immediately, I told him I had not made the out of state purchases. I informed the gentleman that my card must have been compromised. He advised me to cancel my card. He also offered advice to help prevent this type of fraud in the future. He knew my home address to mail the new card to. He also knew the exact amount of money in my checking account, to the cents. Occasionally, he would excuse himself to put me on hold to continue dealing with the issue on his end. Lastly he mentions that {$2000.00} dollars had been transferred to " XXXX XXXX XXXX '', to a " XXXX ''. I told the gentleman we had to do something immediately because I did not authorize a transfer. He said he would call " XXXX XXXX XXXX '', so he put me on hold. When he returned he said he had a representative named XXXX on the line. I did not hear XXXX introduce herself. The gentleman said we could attempt to transfer the money back to my account by going through " XXXX ''. I questioned the ability to do this with out a phone number. He said it can be done through my email address and that he would help me by talking me through it. He was always " helpful '' .I got on my mobile app through Bank of America , I placed him on speaker and he knew all the buttons I needed to push to transfer the money back to me. I continued to question how the money would return to my account through my email address, he said they were linked. I did see " XXXX XXXX '' name on my " XXXX '' profile. I questioned this and the man went on to say " somehow XXXX has merged with the current profile and is using a secondary mobile number ''. The gentleman reassured me that the transfer was going to return to my account. He told me not to worry. He asked if I received the XXXX code to my phone to authorize the transfer. Initially, I was having difficulty with the process. The man was patient and reassuring. Once the transfer was accepted, the connection was lost. I immediately called Bank of America back, explained what had happen and I was transferred to the Frauds and Claims Department.