23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX  Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  XXXX  Acct # XXXX Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Section 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 adverse item 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 cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

What is the complaint about? 
Ageism and the violation of rights afforded by the unauthorized use of a credit card clause.

Type of problem Denial of my claim of unauthorized use of my credit card and the financial institution 's refusal to investigate my allegations or listen to my supporting evidence based on their premise that the disputed charges were a chip swipe ( see attached letter from Citi ).

What happened?

When I received my Citi AAdvantage credit card statement for XXXX I noticed a charge for {$1800.00} that I did not make nor authorize. Subsequently, in my XXXX statement a similar-appearing transaction in the amount of {$1500.00} appeared ( see attached statements ). I contacted Citi 's Fraud Department and advised that these charges were not incurred by me. They said they would investigate the charges which I later found out, no thanks to Citi, were XXXX charges swiped on a smart phone to a business in XXXX XXXX that doesn't exist. A couple of days later they informed me they would not reverse the disputed items because their chips could not be counterfeited. Perplexed, I took a closer look at the transaction and realized that I was at XXXX XXXX on both occasions. I have attached a copy of my swipe-in log for the month of XXXX showing that I checked in minutes before the transaction occurred ( see attached document ). On XXXX I swiped my membership card at XXXX ; the transaction time for an exact amount of {$1800.00} was XXXX ( see attached " XXXX '' receipt ). On the XXXX I checked in at XXXX, the transaction again for an exact amount of {$1500.00} was XXXX ( CT has a state sales tax of 6.35 % ). I informed Citi about these circumstances and they ignored my phone call and sent the above-referenced letter. Either my chip was counterfeited or someone broke into my locker, swiped my card on a smart phone and replaced it. My locker was secured with a 3-dial combination TSA lock which can be opened with a TSA key ( see attached picture ). I have never had a XXXX chip charge on this card. I have never filed a fraud claim. I have spent over {$50000.00} on this card in the last two years and have always paid in full when my statements arrive. Plus there is no such business as XXXX  XXXX in CT. I have reported this incident to the XXXX XXXX Police Department and they are investigating it as criminal case ( case # XXXX ). 

The company is Citi, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

The people involved are the Fraud Department under XXXX XXXX. They provided no signature for the receipts ; they did not tell me they were XXXX charges, I had to research that myself ; they would not release any information and refused to return my call and the XXXX XXXX Police Department 's investigation officer 's call. 

I feel they neglected feedback because I am XXXX and they thought I would not fight back.
Product: Debt collection

Hello! 

An employee of Love, Beal & Nixon, P.C fraudulently charging my debit card for his insurance plus he tried to spend {$470.00} at XXXX online when my bank called and shut down my card because of abnormal activity on XX/XX/XXXX. An employee of Love, Beal & Nixon, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX XXXX to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that Love, Beal & Nixon does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called Love, Beal & Nixon because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, General Manager and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

Love, Beal & Nixon P.C. took me to court over an old credit card debt. The credit limit was {$300.00} or {$400.00} and now is {$2600.00} that Love Beal & Nixon bought from XXXX XXXX XXXX XXXX. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay {$50.00} a month. I would think that Love, Beal & Nixon would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I never received a response to that email. I did receive a letter dated XX/XX/XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of Love, Beal & Nixon. They have some liability for this/his action.
Product: Credit card or prepaid card

XX/XX/20 XXXX XXXX, after attempting to log on to my American Express Blue Bird Account, I recieved an email from XXXX, signed by " The Bluebird Team '' .The email stated " your Account privileges have been permantly suspended. " The Blue Bird Team '' would not allow me to email questions, to talk to customer service or communicate my horror of being cut off from my life savings, social security direct deposit, and all other very important financial tools.I am a XXXX vet, retired American citizen, payed taxes, worked all my life to accumulate approx {$65000.00} in this Account.I used account for more than 4 years.I have all XXXX proof of Social Securiy direct deposits, personal deposits and Blue email acknowlegement of all transactions.The Blue Bird Team stated in the email that I could " inquire further '' by writing to Blue Bird Customer Care, XXXX. XXXX  XXXX, XXXX, Ga.I sent requested inquiry by USPS registered mail on XX/XX/20 XXXX XXXX XXXX XXXX, the letter was recieved and signed for, confirmed by USPS Tracking.It is now XXXX desperately need my money, and am not getting any answers from American Express Bluebird. This situation is causing great financial harm, and emotional distress to myself, and other family dependent on me.I have been told that the United States Consumer Financial Protection Burea could help me with this critical issue.I am filing this complaint as a result, prior to consulting appropriate attorney and legal remedies.I am consenting to CFPB to publish this description on consumerfinance.gov, so that others can learn from my experiance
Product: Vehicle loan or lease

Byrider in XXXX Indiana  sold me a car with four open recalls and an epoxy patch on the oil pan. I have paid XXXX  in repairs not to mention the payments every two weeks. I am now forced into XXXX  XXXX bankruptcy to get out of this.
Product: Credit reporting

I have reached out to this company many times to help with the late payments they are reporting to my credit. I would like to work with the company to have the late payments removed to help me build my credit. Thanks.
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. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry:01/25/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In XXXX I got 2 loans from Wells Fargo Bank 80 % and 20 % about XXXX XXXXXXXX.They approve me the loans. 
In XXXX I requested for a modification.They did it for the 2 loans. 
They looked liked made mistake in the modification. 
So, I received 3 refund checks : {$200.00} and {$700.00} for the higher mortgage XXXX XXXXXXXX and {$15.00} for the mortgage XXXX XXXX lower mortgage. 
I would like to know if the highest loan was properly settled, because I don't understand why the settled for the lower loan is more money than the higher loan. 
I would like to be very clear in this issue. 
I appreciate your collaboration. 
Thanks a lot.
Product: Checking or savings account

Beginning XX/XX/2020, I became negative on my account. Recurring charges continued to post, causing a total of 9 NSF/OD fees. I contacted my bank in XXXX when it all began and I was told they could not waive any fees as a courtesy. Since we are in a pandemic, my business has taken a hit and financially I have been struggling. I attempted to resolve this again via phone on XX/XX/XXXX, and was on the phone for several hours. The first person I spoke with was able to refund me 2 fees, totaling {$70.00}. This was after being told back in XXXX, no fees would be or could be waived. I decided to call again because if this one individual was able to refund me 2 fees, I wanted to see if more could be waived since I was being given contradicting information. I spoke with customer service again and I asked to speak with a manager, and they said no and instead transferred me to collections. Collections simply said I had less than 40 days before my account could potentially charge off and be closed. They told me I was not supposed to have been transferred to collections because my account is not in collections and is open and active. They told me to call regular customer service, which I went ahead and did again. I called again and spoke with a rep who I asked to speak with her supervisor, XXXX ( XXXX ) and he was unprofessional. He kept cutting me off and repeating information as though he was not listening to what I was asking for. He kept insisting I speak with Collections even though I told him I had and they had said I did not need to speak with them because of my account status still being open. I then asked to speak with his supervisor, so I was transferred to XXXX ( XXXX ). This woman 's customer service was even worse, as she was condescending and simply told me she would not waive any fees. I have been a customer for many years and my account has never had any fees in the past. I am simply asking that the bank, in light of everything that is happening, waive the remaining 7 fees. I am going to be making additional deposits so the account will be in good standing once again. I am just simply disappointed that after banking with BOFA so many years and never asking for any refunds since I have not had any fees in the past, see they are so unwilling to work with me. I have plenty of family and friends who also bank with BOFA because I recommended them to open an account. I will definitely be letting them know of my experience as I can't believe how insensitive this institution has been with me, despite me explaining to several people my situation. I just want these additional 7 fees waived.
Product: Debt collection

XXXX XXXX fraudulently charged my account with $ XXXX months after it was closed. They then sold the debt to a third party company ( ENHANCED RECOVERY COMPANY ), which I discovered on my credit report. 

I'm still having trouble getting this removed from my XXXX report, even though I have sent them proof that my XXXX XXXX account was closed long before they continued billing me for their service. 

On XX/XX/XXXX I received my final ( accurate ) bill from XXXX. I paid it that day online and received confirmation that my balance was {$0.00} and my bill was paid in fill and the account was closed " Your final bill will be approximately {$0.00} '' I received another bill on XX/XX/XXXX for an additional {$20.00}. 

I disagreed with that amount, so I contacted XXXX chat support. I have the transcript from that chat where I told them to just go ahead and charge my card for the {$20.00} and to make sure my account was closed. 

At that time I was assured that the ACCOUNT WAS CLOSED. 

From XXXX Chat Reference Number : XXXX " XXXX : XXXX, rest assured that you won't get charged in future on the account as the account has been cancelled. '' Approximately 1 year later I discovered that in XXXX of XXXX a third party company ( ENHANCED RECOVERY COMPANY ) had purchased a debt for {$190.00} and added it to my credit report. 

This was the first I had ever heard of this {$190.00}. 

I went back through old emails and discovered a bill from the CANCELLED XXXX   account that was sent XX/XX/XXXX for {$190.00}. 

That was 2 months after my account was originally closed. And 1 month after the chat transcript proves that XXXX confirmed the account had been cancelled. 

I contacted all 3 credit bureaus and emailed them proof that I don't owe this money. However, it is still appearing on my XXXX report. 

Now I'm fighting to have a {$190.00} fraudulent charge from XXXX removed from credit report.
Product: Debt collection

Some time around XX/XX/XXXX. I purchased internet service from XXXX XXXX XXXX. They did not send all the pieces required for my modem to work. So I wasnt able to use my internet for the first week of purchase. I called and complaind about not receiving all the pieces for my modem. The XXXX XXXX XXXX agent told me clearly, since Im a first time customer and I didnt not receive everything in my box for my modem to work, its on them to send out a technician with that missing piece and to make sure my service start working. Its a self install kit so I didnt require a technician. The XXXX XXXX XXXX agent told me in this case I wouldnt have to pay for the technician. I ask her a couple times because I know the call is being recorded. But when I get my bill they trying to charge {$100.00} for technician. I thought I was deceived so I decided not to pay. I keep calling for weeks to get a manager to review my call because I was misinformed. So far to no avail. The next thing I know 2 weeks ago XX/XX/XXXX XXXX XXXX XXXX  hit my credit report for {$330.00}, for what, I dont know because I returned their modem. I was misinformed by the XXXX XXXX XXXX agent and I think its very unfair to pay for their incompetence. I did not ask for a technician, they decided to send me one. Please help me get this situation resolved ASAP. Its on my credit report.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX XXXX Credit Acceptance made a fraudulent consumer report using my personal information without my consent, to the consumer reporting agencies ( Bureaus ).
Product: Student loan

I called several times. My loan was originally through XXXX XXXX XXXX XXXX. Somehow we got to Sally May Sally Maye got sold in XXXX and now XXXX with somebody else. All I want is the original paperwork where I signed that long when I was in college, I sat down at the desk and I put my signature on the paper. Nobody can find me that paper. They keep giving me a digital copy, and I want to see the original terms of the paperwork
Product: Credit card or prepaid card

In XXXX of XXXX I opened a credit card ( via XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX ( XXXX Credit card company ) with a credit line of {$4900.00}, I charged {$3900.00} to the card in XXXX of XXXX and paid this card in full in XXXX of XXXX as I sold a house towards the end of XX/XX/XXXX which is where this fireplace insert was installed. In XXXX of XXXX I got a letter from XXXX stating that I had access to use my card through XX/XX/XXXX and after that the card would be closed. I have been trying for 2 days now to make a purchase using this card and am being told 2-3 different stories depending on who we are speaking with. They  are stating I have not used the card in 2 years therefor they had to re-pull credit to be sure I was still worthy of using the card, which was then declined. Then they told me my card has been inactive since XXXX of XXXX, which CLEARLY not 2 years since it had activity on it ( which I was NEVER notified of or I would have used the card right away to keep it active ) It has NOT been 2 years since there was activity on the card, it has only been just over a year. Then we were told that there was a glitch in their computer system and the cards were mistakenly closed 2 days early and that the account has been activated and to go ahead and charge the card. We tried and it failed ... .we have been on the phone with XXXX for well over 2.5 hrs trying to get this resolved. My letter clearly states I have until tomorrow to use the card and they are denying me access to my already existing account. There has been a minimum of 6 phone calls to this company trying to resolve this issue.
Product: Money transfer, virtual currency, or money service

XXXX theyre was no customer service from cash app
Product: Mortgage

Carrington Mortgage LlC have added fees to my mortgage with no explanation, every time I ask what the fees are for their from your old mortgage company can you send me a letter with a detailed breakdown showing the fees. You will have to call another 800 number. They have added fees to make my mortgage payment increased.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 

. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX