23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against AD Astra Recovery Services for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted AD Astra on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was XXXX XXXX and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with XXXX XXXX. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from XXXX XXXX or AD Astra Recovery about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against AD Astra as this negative reporting on my credit has created a serious financial impact.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$150000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Harris and Harris Debt collectors uses a robo caller to call my home phone number incessantly. I've received dozens of " robo '' voice mail messages. Today, I was home from work so I answered the call myself. Again, it is a robo caller/recorded message telling me they are debt collectors. I have no past due debts. I recently refinanced my home and there was nothing negative on my credit report. Additionally, when I XXXX the telephone number, I discovered many, many similar complaints. The number is registered to XXXX XXXX XXXX, a lawyer and debt collector in Illinois. From my research, it appears he collects old debts for parking tickets and outstanding tolls. The biggest problem I see with this is, I live in California, and other than a layover at XXXX XXXX, I've never been to the state of Illinois. I've never driven in Illinois. I've never walked outside the XXXX airport! I've never taken my car outside of California. If I drive out of state, it is always a rental car. The rental car agencies pay the tolls and automatically bill the credit card they have on file for their customer. There is no possibility I owe a toll or parking ticket fine to ANY municipality. 

Harris and Harris Debt Collectors appear to be scam artists. XXXX is their phone number as it appears in caller ID.
Product: Credit card

I have made XXXX phone calls to USAA regarding my hotel reservation through the credit card. XXXX representatives cut me off and transferred me without confirming anything. XXXX disconnected me. I cant get to a person that can speak to me specifically about the reservation. The website kicks me out. I want to speak to a person. The automatic queue keeps repeating itself over and over. No one will help. They are passing the buck. Someone else just passed me along. I have spoken to SEVEN people!,
Product: Mortgage

I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with  the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.
Product: Credit card or prepaid card

This is in regard to a dispute to charges placed on my Chase Visa credit card. On XX/XX/2020, I purchased 12 tickets for a roundtrip XXXX flight from XXXX, XX/XX/XXXX - XXXX, in the amount of {$480.00} each through a travel agency, XXXX. I was notified on XX/XX/2020 that the return flight on XX/XX/2020 had been cancelled. The outbound flight departure time had also been changed 2 hours. I contacted XXXX on XX/XX/2020 for assistance and was told that I had to proceed through XXXX only. The contacts I made were as follows : 1. ) XX/XX/XXXX, emailed XXXX asking for assistance with cancellation 2. ) XX/XX/XXXX, email response received from XXXX indicating that they would respond within 7 days of travel. 
3. ) XX/XX/XXXX, XXXX conversation with XXXX from XXXX - she informed that XXXX was only giving vouchers to be used until the end of XXXX. However a request could be put in to XXXX for a refund. XXXX sent request to XXXX for refund. I was told to wait up to 2 weeks for a response. 
4. ) XX/XX/XXXX, chat with XXXX rep on XX/XX/XXXX ( waited since XX/XX/XXXX for response ) asking what to do. Response indicated that I had to contact travel agency directly. 
5. ) XX/XX/XXXX - XXXX responded indicating that tickets were non-refundable, but awaiting on possible tax refund. 
6. ) XX/XX/XXXX - email to XXXX from XXXX - asking about the status of refund from XXXX. 
7. ) XX/XX/XXXX - email to XXXX from XXXX - asking about the status of refund from XXXX. 
8. ) XX/XX/XXXX - XXXX from XXXX called me from XXXX indicating that XXXX granted a full refund for the tickets. A waiver was granted and refund would be issued in 4-6 weeks. 
9. ) XX/XX/XXXX - XXXX from XXXX called and informed me that XXXX " changed their policy '' and no refund was to be issued. 

I called Chase Visa on XX/XX/XXXX to inquire about disputing the XXXX charges from XXXX on my card. I was told that with airlines, since a flight was cancelled, as long as I had the email or notice of the cancellation, that a dispute could be made. 
I submitted paperwork and received a response from Chase indicating that a " significant amount of time has passed since the date of the charge '' and " the merchant isn't required to credit the account because the charge took place too long ago. '' This was received on XX/XX/XXXX and I was not able to call Chase until Monday, XX/XX/XXXX because their dispute center was closed. 

The agent I spoke to informed me that since the 118 day period had passed, it was too late. I informed her that I followed exactly the instructions from Chase as trying to resolve with the vendor directly. Up until XX/XX/XXXX I was under the impression that the vendor was refunding me! Why would I dispute the credit card charge when the vendor indicated that I would be refunded? The agent said the case was closed. I asked to speak to a supervisor, who was supposed to call me in 24-48 hours and did not. I do not feel comfortable with vendors taking advantage of the 118 day policy in order to get away with not refunding for services that were not provided.
Product: Student loan

It takes AES 1-2 months to set up autopay. It 's 2016! I paid off my XXXX XXXX XXXX online. XXXX and XXXX direct debit my payments on time. It 's easy and quick to set up direct debit at these other loan servicing companies. This company uses out-of-date technology and does not care about its customers.
Product: Credit card or prepaid card

This complaint is regarding Fidelity Rewards Visa Signature Credit Card 's cash advance practice. 

On XX/XX/2022, I conducted a cash advance transaction for {$79.00}. 

The statement issued on XX/XX/2022 had a balance of {$1900.00}. The payment due date was XX/XX/XXXX. 

On XX/XX/XXXX, I logged onto my online account and saw a balance of {$2000.00}. I manually transferred and paid that amount in full. After the transfer, my online account showed a balance of {$0.00}. 

However, on XX/XX/XXXX, I was charged an interest fee related to the XX/XX/XXXX cash advance payment again for " carrying a cash advance balance ''. 

The bank charges interest on cash advance daily, but they don't post it onto the account daily. So even though I paid my account in full on XX/XX/XXXX, the unposted cash advance fee was still outstanding, despite my payment was {$52.00} more than the XXXX statement balance. 

Because they don't post their daily fee every day and because they don't tell you there is a separate cash advance balance even on your online account, unsuspecting consumers who dutifully pay monthly statements in full will keep incurring an interest fee every month until you call and ask them to stop. 

And because they hide their daily interest online, there is no way to pay that amount even when you try to. After I made my payment on XX/XX/XXXX, I was shown a {$0.00} balance. They make it impossible for you to know and to pay for the cash advance balance completely unless you call and tell them specifically to stop. 

Even though they said they would reverse the charge this time, this practice will keep going if there is no government intervention. It was not the first time it happened to me. 

This practice is deceptive and intentional. It needs to be stopped.
Product: Credit card or prepaid card

I made a large purchase on XX/XX/XXXX for {$8900.00} using my XXXX  XXXX credit card at XXXX XXXX. I have already paid the amount when the statement was generated. On XX/XX/XXXX, I cancelled the order. The merchant issued a credit immediately and on XXXX XXXX, it was showing as a pending transaction on the JPM site. However, the money hasn't been credited to my account yet. I called JPM today and was told that because it is a large amount, it is taking time. The problem is it is causing problem for me also, especially in the holiday season.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my mortgage with Newrez mortgage company in XXXX. They placed the account with shell point mortgage services which is their collection dept. I paid this mortgage off, XX/XX/XXXX. My payments were never delinquent, but because they placed it in the collection department its a negatively impacts my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial shows my monthly payment of {$510.00} due every month ; however, a signed settlement was agreed with a new payment of {$380.00} to be paid each month starting on XX/XX/2020. Each month a payment is made in the amount of {$380.00}. It has been over a year and each month my credit report shows a past due balance because OneMain is still reporting the monthly payment {$510.00} is owed instead of {$380.00}. OneMain will not update their system and report it properly. I have spoken to numerous individuals at OneMain and no one gets back with me to resolve this issue. I have documentations to show the agreed monthly amount of {$380.00}. This has impacted my credit score for over a year now! I need help getting this fixed with OneMain and getting my credit report updated correctly.
Product: Checking or savings account

Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXXXXXX sinceXX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

I am going on a trip overseas and was using the ATM/Check card for transactions. Except it wasn't working. I was making a reservation transaction for various tours while in XXXX. When I executed the transaction the vendor ( XXXX XXXX ) stated ( online ) " your bank declined the charge '' along with the number to call the Bank America fraud department. 
I called the fraud department and asked why the transaction was being held up. The agent ( in Texas ) said she was sorry, " its a new system. Visa is making us do this ''. She told me to try it again. I did. Same message. Long story short I tried for several days to get the transaction through with no success. I talked to about 4 or 5 BOA agents over this time and herd the following responses. 
1. " its a new system. Visa is making us do this '' 2. 'It should work. I don't know the problem. '' 3. " its a new system I just got trained on it '' 4. " try it again it should work now '' It didn't work and I politely asked to speak to a supervisor. The agent agreed to put a supervisor on the Phone. I was on hold for 35 minutes before I just gave up and hung up the phone.

5. The last agent I talked to said, " don't worry about the other agents they don't know what they're doing. They probably haven't trained yet. I'll take care of you ''.

He did help. I thought all my problems were solved... but NO they weren't. Two days later I look in my email and NINE ( 9 ) transactions for the same tour all cleared charging my account 0ver {$300.00}. I went to the bank and explained the tickets were non-refundable and non-transferable. Additionally, I explained because of the recent demand for travel the XXXX ours were now fully booked and canceling all of them ( if they could ) would be a problem. The Bank can not match the transaction with the one ticket I need. I asked the BOA to credit my account the approx {$300.00}. 

The problem is clearly the Bank of America fault per the words from their own employees. 

Money center Manager tried to no avail. The problem was escalated to the regional manager : XXXX XXXX Consumer Markets XXXX XXXX Tel : XXXX email : XXXX Ms XXXX instructed the local manager that I would just have to wait until after I returned before they considered the request for credit. The Bank of America 's Ms XXXX would not even guarantee they would even give me. a credit. This is unacceptable. 

NOTE! EVEN MORE DISTURBING : Yesterday, XX/XX/XXXX I opened my email and had an email from Bank of America with subject heading something like, " Your Bank of America Account Statement ''. I NEVER opened an online account. I NEVER requested a copy of my statement. I NEVER authorized the Bank of America to send sensitive personal financial info over the internet. CAN THEY DO THAT? My PC/ Email was hacked into in the past and created havoc. For that reason I do not do online banking. Can I make them stop this? 

Please advise me as to my options to settle this matter. 

Bank of America is now too big to care about the little guy. 
They have a monopoly on ATM machines in Massachusetts. In ten years ATMs will not be important. People wont be dependent on BOA. 

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

XX/XX/2018 XXXX XXXX also know as XXXX XXXX XXXX pulled my credit and I didn't sign to have it authorized. Once I found out they pulled my credit they had me come back in, and they said I filled out a form which I did but I didn't sign it and told them NOT to pull my credit. ( Wasn't even there to shop for a car ) They said they would fix it and have yet to do it. I have called and sent letters and disputed it with all 3 credit bureaus and nothing. 

XX/XX/2018 XXXX pulled my credit I authorized them to pull it but again told them only once. They pulled it 8 times between all 3 credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to dispute with reporting agencies, I've sent letters and called the companies. No one will help me. 

XX/XX/2018 same thing happened when trying to buy a car at XXXX XXXX XXXX   XXXX. They were again told not to pull my credit but once, they too pulled it 8 times. They were pulling my credit after we had already bought the car! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I did not authorize all these inquiries and the are hurting my credit. I've tried everything to get them removed. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Blockchain regarding an unauthorized transaction that resulted in the loss of {$6800.00} from my wallet. Despite my efforts to seek assistance and resolution, Blockchain has failed to provide any support or mechanism to address this fraudulent activity. 

Incident Details : On XX/XX/year>, I deposited {$6800.00} into my Blockchain wallet via XXXX. 
On XX/XX/year>, at approximately XXXXXXXX XXXX the entire balance disappeared from my wallet through an unauthorised transaction. 
I did not initiate this transfer, nor did I authorize it in any way. 

Upon discovering the unauthorized transaction, I immediately contacted Blockchain to report the incident and informed them that I was the victim of a scam. I explained that the funds were expropriated without my consent and requested assistance in recovering the stolen amount.

Blockchains Response : Blockchain informed me that they lack a mechanism to reverse unauthorized transfers or recover lost funds. This response is deeply concerning, as it leaves users like myself vulnerable to financial fraud without recourse. Despite my clear communication of the fraudulent nature of this transaction, Blockchain declined to take any meaningful action to resolve the issue.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX are recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Capital One, being a financial institution, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Capital One nor the consumer reporting agencies ( XXXX, XXXX, and XXXX ) have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Capital One failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. Lastly, as per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies.