23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/23, I received a package from XXXX 's that was delivered to my apartment building and left by the mailbox. The courier sent me an alert with a photo via email of the package in my building. When I returned home from work that day, which was approximately 2 hours after delivery, the package was nowhere to be found. I filed a claim with XXXX 's regarding the package being most likely stolen, and so they issued me a refund for the amount plus the shipping I paid. However, I was then informed that they couldn't actually issue me a refund when I called back to tell them the refund had not appeared on my card. The full refund would have amount to {$330.00}. 

I was informed by a representative that the person who clearly stole my package had brought it back to the store it was ordered from, and had exchanged it for XXXX perfume. So since XXXX 's " technically '' issued " me '' a refund or exchange, they claimed they could not issue ME the actual refund which is why I needed to take it up with my credit card. 

I received correspondence from my credit card with Bank of America which was used for the purchase saying that they issued me the credit while an investigation was done with XXXX XXXX. 

Around XX/XX/23, I received another letter from BoA saying that the claim was denied in the end and that the credit would be reversed back into a charge on my card. The reasoning behind the denial of the claim was " that the merchandise was available and delivered to the agreed upon location. '' BoA told me they are not responsible for the charge and that XXXX XXXX is also not willing to issue me the refund. 

However, I feel I should not be responsible for paying this amount due to the fact that I never actually got the package, and the fact that XXXX 's actually got the merchandise back.
Product: Checking or savings account

I have a small business account with Bank of America. I have had this account for 22 years. I weekly balance this account and match my ledger balance with what the bank has on record. It has always been within {$18.00} ( I have chalked this up to a 'margin of error ' over the many years and have not thought much of this ). 
Three weeks ago, as I had balanced the under 10 weekly transactions- this is not advanced molecular science- it is simple math ( my business sees very little volume now, as it is very part time ), the Bank and I did not balance - they said I had {$260.00} less than I had balanced out with. Despite multiple people checking multiple times, using multiple methods, we all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) came up with the same result - the bank was down {$260.00}. I waited another week to see what would happen. The next week, the same conclusion, with less than 10 transactions.

I made an appointment with Bank personal ; we spent 2 hours reviewing the math and he could find no error. He assured me he would work on it over the week and we made a follow up appointment with me for this past Tuesday at XXXX XXXX ( XX/XX/17 ). We sat down again - he had no answers. I asked then to file a complaint with the bank- it was unacceptable that {$260.00} just 'vanish '. He called someone and they affirmed that " nothing could be done '', because they could not " prove '' anything. 
I am appalled that after a 22 year relationship where I have upwards of {$200000.00} in this institution, they can literally " lose '' {$260.00} and offer no recourse ; it is not even difficult math/calculations to understand. To date, there is 1 outstanding check, so there is minimal " complicated math '' to appreciate - no missing checks from the ledger and yet less money than I have calculated. And I described a time in XXXX when I used XXXX to pay a friend and her bank recorded this account paying her twice, yet Bank of America has never noted that to be true. So, 'weird things ' can happen in this 'electronic money ' age - why is it so inconceivable that, in looking at these XXXX or so numbers, plain as day, there is {$260.00} of my earned money, Bank of America has someone lost/taken that out of my account? This is not a far reach for my imagination. 
Not only am I out that cash ; but they have lost a customer - but, that is seemingly not of concern to them. 
I write today, in hopes of actually having some resolve around the {$260.00} - that is not chump change to me ; as it may be to them. 
Thank you!
Product: Credit reporting or other personal consumer reports

A citi fraudulent account is on my credit report hindering me from using my credit at retail stores. I rely on my credit to buy inventory for my business but this citi account has been affecting my credit report for some while now.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX, I deposited {$500.00} at a Bitcoin Depot ATM to convert to Bitcoin. The price at the time for Bitcoin was XXXX. The machine said it charges a {$3.00} service fee so the amount of Bitcoin I was to receive should have been XXXX coins. The company charged me 20 % without my knowledge and only deposited {$380.00} ( XXXX ) to my wallet. This equates to a purchase price of {$38000.00}. They did not disclose anywhere on the machine, screen, or receipt that there was a 20 % fee as I would not have used their machine. Instead, I wasn't even aware of the transaction particulars until after the transaction was complete and I received a receipt with the incorrect amounts. I would have not used their ATM and just transferred from my bank account to my Bitcoin wallet for a small fee instead using my existing exchange account if I was aware they would charge what is tantamount to a grossly negligent fee. I called the company to rectify the situation and they refused to resolve this matter. Bitcoin Depots website also does not disclose these fees under any page labeled fees or under any FAQ sections.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are an UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX XXXX  was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. XXXX reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my FICO score and was shocked, and sent information to an email address provided by the CSR. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from XXXX.
Product: Debt collection

I only became aware of a debt that was placed on my credit file because of a security clearance for my job. I contacted phone number XXXX, which was shown to be the number for the collection agency, not sure of the name, as the credit report shows cascade receivables management, but when I contacted this number the recording states, office of XXXX or XXXX. I spoke with a rep. by the name of XXXX who informed me that this debt was from the creditor XXXX from 2009. I explained to the rep. I have no idea what this debt is and why it 's on my report and why I am just hearing about from 2009. I informed XXXX I am disputing this debt, please refer it back to the original creditor! He stated the debt will stay on my report until it is paid and it 's on my credit report because it has n't been paid. I disconnected the call because XXXX was clear about their company 's disregard for the laws of the Fair Debt Credit Reporting Act. I have not received any information about this debt, in any form, but it has been placed on my report, wrongfully. I ask that this debt be immediately removed and never placed on my report again! To place a debt on someone 's credit report after 6 years is totally ridiculous. The collection agency shows a id number of XXXX, original balance of {$44.00} and a current balance of {$43.00}.
Product: Credit reporting 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 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 and list of Inquiries. 

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: Debt collection

I suppose I had a debt with XXXX that I was never aware of. I never received a letter, nor a phone call. I checked my credit, that I keep a close eye on after my dad stole my identity and opened 2 credit cards in my name to find that CBHP of XXXX Texas had bought my debt from XXXX. They have added on XXXX dollars of their own fees. I called as soon as I saw this on my report to figure out why I was never contacted or aware of this so I had a chance to resolve it, and they told me they had called my grandparents home phone number, and they have never received a single call, and they sent mail to my dads XXXX XXXX supposedly, but I havent heard a word about that either. So, when I was asking questions to figure out what was going on, how this happened, why it was so much more and things of that nature the representative of CBHP continued to hang up on me after every question I asked that she didnt like or feel like she should have to answer. When I asked for her supervisor she put me on hold and then told me she wasnt available, then once again, hung up. I called back, I asked her why she was hanging up and she said its because I was being difficult and I told her collections and customer service are one in the same, and she informed me well first of all, youre not a customer. And then hung up again. So I called back again, and asked to speak to someone else, she told me she wasnt letting me speak to anyone else and hung up on me, again. I called back and she finally let a man answer the phone. He told me that their supervisor wasnt there and told me to call back, couldnt tell me when I could actually talk to someone without being hung up on. How am I supposed to figure out my debt with a company who hangs up on me after I ask a question they dont like, and theyre not XXXX  accredited so they think they can treat people like XXXX. I never signed a contact with them, and they are making it impossible for me to figure out what is going on and what I need to do. I was not given any notification, or any way of knowing. When my identity was stolen, and XXXXXXXX XXXX  credit cards were opened they were able to track down my real phone number to contact me about my debt and did everything they could to help me resolve the issue. Why couldnt this company? Theyre a joke and what they do should be illegal. They did not do their due diligence and theyve done nothing but lie, be deceitful, and hang up on me when Ive tried to get information.
Product: Credit reporting or other personal consumer reports

Starting in XX/XX/year>, I attempted to unfreeze my credit. The phone system does not have ANY option to speak to a human and it did not recognize my valid information. I attempted online. It did not work online either ( the other XXXX credit reporting agencies worked fine ). I then followed their online instructions and mailed hard copies of identification documents ( certified mail ) requesting that it be un-freezed around XX/XX/XXXX. The company received them and sent me a latter back on XX/XX/XXXX saying that I needed to send all of the exact documents I just sent. I am unable to apply for credit because of this XXXX agency holding me XXXX. I have attempted to contact them in the XXXX different ways they suggest and all have failed. They have no backup plan for when they have a glitch.
Product: Debt collection

Debt reported to both XXXX  amd XXXX  credit bureaus on XX/XX/2020. I have never had any payday loans because I have good credit. I also do not use checks and havnt used them in years. Also. NEVER heard of these places or recieved ANY correspondence of any such debt. NEVER got ANY notification of any such debt. It is NOT mine. I only have a valid XXXX  drivers license for identification and have only been licensed in the State of XXXX so no other identifi cations from any other states. This is NOT my account.
Product: Debt collection

On XX/XX/XXXX the company : XXXX XXXX XXXX filed a collection account of {$270.00} from the original creditor : XXXX XXXX XXXX. 

The collection account has been outstanding since XXXX XXXX & the company has made no attempts to notify myself or attempt to collect on the charge of {$270.00}. 

I became aware of the XXXX account in XXXX of XXXX & immediately contacted the XXXX XXXX Services to dispute the charges, having contacted XXXX to dispute the amount owed. 

XXXX informed me that I did not have an open o/s balance with them, nor a customer profile. 

XXXX XXXX XXXX charged me {$1.00} dollar to speak to a representative, they placed a {$1.00} hold on my credit card on XX/XX/XXXX. 

I requested from XXXX XXXX XXXX a XXXX of XXXX, & was informed that to that I would have to pay {$190.00} for additional information. 

The Company has declined to provide me additional information to dispute their hold on my credit without first paying them money which is coercive & does not deal in good faith.
Product: Credit card or prepaid card

Purchased flight with XXXX XXXX for {$510.00} on XX/XX/XXXX. 

Airline went bankrupt before my scheduled flight XXXX XX/XX/XXXX. XXXX XXXX, so I filed a dispute with Chase as I never received the goods/service I paid for. 

Disputes, correspondence, updates to claims, and phone calls were filed with Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Even more perplexing is that this was a family vacation. I booked my ticket separately on my own, my family booked theirs via XXXX on their own transaction, but they received a refund via chargeback from Chase, but I was denied. 

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

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXXXXXX XXXX  : {$260.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX  : {$770.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$1100.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX, and Equifax, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

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
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SENT OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVED In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2017 Balance {$7900.00}
Product: Mortgage

Wells Fargo is my mortgage originator for my first and only home The originator specifically told me that once I hit 80 % LTV I could call and remove PMI. He said I could make double and triple payments to get to 80 % early and cancel it early. 
I did this within 1 year of my loan starting and I called and sent a letter but they would not let me cancel I filed a complaint because I was mislead and Wells Fargo eventually learned the truth that their local loan originator made a mistake and he admitted to misleading me. 
Wells Fargo wrote me a check for XXXX $ for this inconvenience They still would not let me cancel PMI until I hit 78 % so I started working hard to continue extra payments towards principal then within a month they sent me a letter saying they would not let me cancel PMI until it was originally scheduled even if I hit 78 %. This letter seemed to be a made up rule they developed because of the problem I brought up. 
I continued my plan and I hit 78 % early with extra payments. I then sent them a cease and desist by mail and talked to them and they still declined to remove PMI and require me to use a BOV or an Appraisal. I was able to get a BOV but now they are not being accessible to phone calls and they seem to be requiring me to use one of their in house brokers/appraisers. 
They will only let me talk to one person in their office to get any answers and that person is not alway available. 
Please help me cancel my PMI I have a great job, a great credit score, I have great family support and I have never missed a payment or been late on a payment. 
I do not see why I am being forced to pay this PMI I can sent any supporting documents as necessary
Product: Credit reporting

Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inquiries listed on my credit report. After reviewing my credit report from [ XXXX XXXX XXXXXXXX ], I noticed several unauthorized and fraudulent inquiries that I did not initiate or authorize. These inquiries are negatively affecting my credit score, and I request immediate action to resolve this matter.

I am certain that these inquiries which I listed in Identity Theft were not authorized by me, and I believe they are the result of fraudulent activity. I did not apply for credit with these companies, nor did I provide permission for these inquiries to be made on my credit file. I am concerned that my personal information has been compromised, and I am requesting a thorough investigation into this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these fraudulent inquiries be removed from my credit report immediately. Please provide me with written confirmation that the inquiries have been investigated and removed. Additionally, I would appreciate any assistance you can offer to help resolve the potential identity theft issue that has led to these unauthorized inquiries.

Thank you for your attention to this important issue. I look forward to your timely reply.