23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/2019, while present at the XXXX, MA  Bank of America branch, XXXX XXXX canceled a recurring {$12.00} monthly automatic deduction by XXXX for a XXXX subscription for which I NEVER SIGNED UP. I dont shop on XXXX because they never have anything I want, so I had zero interest in their membership, nor did I give XXXX permission AT ANY TIME to charge my account. 

XXXX recurring charges continued anyway, so I filed Claim # XXXX, for a total of {$290.00}, with Bank of Americas Claims Department. This total included five monthly charges by XXXX of {$12.00} each, as well as charges attributed to XXXX ( {$98.00}, {$59.00}, {$37.00}, and {$34.00} ; documentation for all amounts attached ) for which I had NO CORRESPONDING XXXX   PURCHASES. 

On XX/XX/2019, Bank of America denied this claim and charged back to my account the {$290.00} they'd previously removed while the investigation was on-going. On XX/XX/2019, I called their Claims Dept. and spoke w/XXXX. She re-opened my claim, and requested on my behalf Bank of America 's allegedly supporting documents for their denial of my claim. XXXX said I would have to call again, in 3-5 business days, at which point the documents supporting BoA 's denial of my claim would be available to me. 

On XX/XX/2019 I called their Claims Dept. again and spoke with XXXX. He appeared to be a new employee who did not have any idea to what supporting documents I was referring when I requested them. He put me on hold, consulted with others, then informed me the documents would be emailed to my email address XXXX. XXXX had no idea when I would receive them, but thought maybe 24 hours. 

On XX/XX/2019, XXXX XXXX at the XXXX, MA branch of Bank of America submitted a complaint ( # XXXX ) case regarding my claim. In her email on the same date ( attached ), XXXX stated the target resolution date was XX/XX/2019, and if an extension was needed they would inform me either before or on that date. 

As of today, XX/XX/2019, I HAVE NOT BEEN CREDITED EITHER the {$290.00} back in my account, NOR HAVE I RECEIVED the supporting documents I requested back on XX/XX/2019, NOR HAS Bank of America contacted me, either regarding the status of my claim, or the status of the supporting documents for their denial of my claim, by their self-imposed XX/XX/2019 deadline, or at any time since then, up to, and including, this filing.
Product: Checking or savings account

I opened an account with HSBC USA, but the account was closed on XX/XX/year>. HSBC USA closed my account. I did not violate any regulations while using the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Plus- XXXX
Product: Debt collection

I sent a debt validation to Capital One on XX/XX/2021 which they received on XX/XX/2021 at XXXX. Pursuant to 15 USC 1692g they failed to provide me the five things that constitute validating a debt. 

Additionally, I sent Capital One an Affidavit of Truth along with exhibits and a Cease and Desist Letter on on XX/XX/2021, which they received on XX/XX/2021 at XXXX XXXX  and they continue to harass me via email telling me that I owe this alleged debt which is a violation of 15 USC 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

ON THIS XXXX ACCOUNT THAT IS ON MY CREDIT, I BEEN DISPUTING THIS WITH THE COMPANY AND WITH THE CREDIT BUREAU THEY HAVE FAILED TO DO A investigation ON THIS ACCOUNT. I AM A VICTIM OF identity theft, I HAVE SENT IN ALL DOCUMENTS TO THESE COMPANY AND THEY ARE MAKING IT HARD FOR ME TO GET A JOB WITH THE FEDERAL GOV BECAUSE OF THIS COLLECTION. 
THE ACCOUNT AMOUNT IS {$1700.00} ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.
Product: Credit reporting or other personal consumer reports

I did not expect my former employer to continually harass me by monitoring my credit and banking information, even after the termination of employment with this company. 
I have bills and other financial obligations that need to be paid. This negativity has to be stopped.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and Im unsure of the reason. When I reviewed my credit report as usual, I found unexpected discrepancies. I refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries remained. Due to this issue, I request a thorough review of the documents I have sent to ensure I won't have to worry about this again.
Product: Credit card or prepaid card

I have a return payment in an account that was never late. The only return payment was XXXX and I made the payment right way. I tried explain than that its not fair they close an account after almost 2 years whitout any fee specially now in the middle of a pandemic. They close the account today right away and after 5 days of the return. They never provide any information about it and this is going to destroy my credit. Also I have another account that they close too. Its 2 differnts accont and they are using this against all my accounts. Its insane they close both account same day without any late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and I have been working to get the negative fraudulent accounts removed from my credit report but it has proven to be a challenge. My information was also compromised in a data breach with XXXX. I have submitted a complaint to the Attorney General office as well.
Product: Credit reporting or other personal consumer reports

I signed up for {$1000.00} Credit at my dentist through Care CreditXXXX XXXX ran my health insurance card that same day. I never had the XXXX XXXX XXXX XXXX XXXX so my XXXX put a a credit of {$590.00} on the card along with me making my monthly payments until I had {$1000.00} on the card. Called to speak with someone that couldnt explain where was my monthly payments going due to my statement amount. When asked about the {$590.00} credit, they never answered just kept saying I owe them {$730.00}. I went to my XXXX and they printed off receipt of credit sent to them for services I never had done. When the credit should have went back to my health insurance company since they ran it from XXXX XXXX XXXX XXXX XXXX card from the beginning. Fraud. My dentist no longer advertise Care Credit due to countless complaints.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my XXXX account to XXXX at the instructions of the scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is a negative information reported by XXXX, Experian XXXX XXXX  in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XX/XX/XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I applied to Capital One for a credit card and was essentially denied almost immediately I'm fully aware and of good standing and of competence to know my rights and my consumer rights state that and pursuant of certain acts by federal law I shouldn't be denied credit and the fact that my social security number was ran and it was a transaction completed somebody benefited and I have not benefited on top of that the inquiries that have happened and taking place have caused damages so right now I sent out a letter I sent out an affidavit hopefully we won't have to take this to arbitrary thank you
Product: Credit card

An email was sent to me from XXXX at XXXX XXXX CDT on XX/XX/2024 saying that XXXX had a Hard Inquiry into my credit. I saw and opened the email at approximately XXXX XXXX CDT XX/XX/2024 and saw that Citibank NA/THD had made the inquiry. I have not made any applications for credit or a loan ever with Citibank or any retail store. A websearch told me this was for a store credit card with The Home Depot. 
I contacted Citibank at XXXX XXXX via telephone to let them know about the fraudulent activity. 
I spent the next hour being bounced around to six different departments, who refused to do anything more than say that they could not help me and someone else would have to help. Some of them took my SSN, email, telephone number. Those that did said that they had no record and could do nothing. 
After Citibank hung up on me, I contacted XXXX and after another hour was told an initial flag had been placed on my file, that Citibank could still approve the use of my credit and if I wanted the Hard Inquiry taken off my credit score, that I would have to produce several documents, including a report to the FTC, which I am trying to do now. 
At this moment, I am waiting for Citibank to issue a The Home Depot credit card to someone who stole my identity AFTER I tried desperately to warn them about what was happening and after being denied any way of stopping this crime against myself and Citibank from going any farther.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate and incomplete information Such as opening date Last reporting payment Payment history
Product: Debt collection

I had emergency services at XXXX XXXX in Connecticut on XX/XX/2019. I have insurance with XXXX XXXX XXXX XXXX XXXX, but back then it was through XXXX XXXX XXXX XXXX XXXX XXXX. After the insurance paid the claim, the bill collector ( Medical Revenue Servies MDS -- ref # XXXX ) claims there was an outstanding balance, but I never received notice of it. Now, years later, they are saying I owe over XXXX dollars. Since I have changed insurance companies, I don't have access to old XXXX XXXX Claims. The hospital doesn't have a record of the service or the account. The billing collector keeps calling about payment, but I don't think I owe it. I'm not sure how to resolve the situation. Any help you can give is appreciated. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information that Nordstrom/TD has reported on my credit file. Under the provisions of 15 USC 1681, I have never provided written consent for Nordstrom/TD to furnish my information to creditors or obtain my information from other sources. 

Upon reviewing my credit report, I have noticed entries that suggest Nordstrom/TD has collected and distributed my personal financial information without proper authorization. Specifically, Account Number XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, consumer reporting agencies like XXXX, XXXX, XXXX are required to obtain written consent from consumers before they can furnish or obtain information for credit reporting purposes. To the best of my knowledge, I have not provided such consent to XXXX, XXXX, XXXX or any affiliated entities. 

Therefore, I am formally requesting that XXXX, XXXX, XXXX investigate this matter and provide me with documentation that proves I gave written consent for the reporting and/or obtaining of my credit information. If XXXX, XXXX, XXXX is unable to provide such documentation, I request that the unauthorized entries be promptly removed from my credit report.
Product: Mortgage

In XX/XX/XXXX, Flagstar Bank contacted the undersigned again, insisting that we owe about {$3600.00} for a one-year gap in the HOI policy. Before this, an exchange of information took place where the following was proven : 1 ) Flagstar continued to bill us HOI insurance on the monthly mortgage from XX/XX/XXXX onwards and through XXXX and XXXX ; that is shown on all monthly bank statements issued for those years. In a few words, they collected the money from us and did not pay the HOI provider, which is XXXX XXXX XXXX in Florida ; XXXX ) Flagstar wrote on or about XX/XX/XXXX that they were conducting an " internal research investigation '' about what happened. This is after I spent at least 20 person-hours over two months dealing with their idiotic and hopeless customer service line. I could never reach the same agent I had spoken to o the previous calls and no calls were ever returned to me at my number. The drop rate for my calls was 1 out of 3, and the average wait time was well over 30 minutes per call. The result was an endless charade of time-wasting telephone calls, and nothing was accomplished. The company had been cited and fined over {$100.00} XXXX in XXXX for these illegal practices, which amount to customer fraud and abuse ; XXXX ) In XX/XX/XXXX, Flagstar sent us ( the terms " us '' and " we '' here in after XXXX XXXX, XXXX XXXX, the mortgage holders ) a mortgage statement stating that our mortgage payments would increase by {$500.00} per month to cover the " lag '' in insurance. They also indicated that they had received a bill from XXXX for $ XXXX representing the costs charged ; XXXX ) We checked with XXXX and have an existing policy covering us through XX/XX/XXXX. THE CLAIM THAT CITIZENS HAVE MADE CONCERNING A BILL FOR INSURANCE ATTRIBUTABLE TO CITIZENS FOR THE $ XXXX HAS BEEN DENIED BY XXXX  NO SUCH CLAIM WAS EVER FILED WITH FLAGSTAR. IN A FEW WORDS, THIS IS FRAUD.

5 ) We are prepared to document all of the above. Further, the record will show that we have pre-paid the mortgage at least two months in advance from its inception. There is no denial here ; 6 ) Flagstar has not complied with any consumer disclosure, nor has it addressed the " hardship '' issues caused by its actions. We can not afford this type of increase for their actions, which have no legal standing. Flagstar conducts business today virtually identical to what they did to XXXX mortgage holders foreclosed on in the XXXX lawsuits. All the rest is a matter of record and has already been published ; XXXX ) To date ( XX/XX/XXXX ), we have not had a written or verbal reply from Flagstar on the above. We request immediate action and relief to avoid damage to our credit records. Both of us have credit scores above XXXX. 

Respectfully Submitted XXXX XXXX XXXX XXXX XXXX. We will retrieve all documents to date, scan them, and send them to you on or before XX/XX/XXXX.
Product: Debt or credit management

Lexington law said they could get my credit good but didnt but charge me
Product: Bank account or service

I withdrew {$100.00} from an ATM on XXXX/XXXX/2015 at approximately XXXX. The money jammed as it was dispensed however, and I only received {$80.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX This company has my personal information an I did not give this company consent to keep my personal information in their system. This is a formal notification to this company that I do not give permission for this company to have my personal information. I am giving notice to this company that they must immediately delete my personal information from their files. Also please be aware that holding or freezing my account does not update my credit report/file. I have requested that all my personal information be deleted from this company database/file immediately.
Product: Checking or savings account

Deposited into my account a check on XX/XX/19. Bank has placed a hold on funds without providing sufficient reason and one not covered by Regulation CC.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from my landlord for a move out deposit that was addressed to me and the other person on our lease, XXXX XXXX. Thelandlord text me and stated that XXXX XXXX has the check so I can receive it from him. I received a text from XXXX XXXX stating he endorsed the check to be deposited by me and informed me I may pick the check up and deposit it. ( all via text communication ). After I deposited the check and cut ties with XXXX, the landlord reported the check as forged. I contacted the landlord and recorded our conversation and informed the landlord that I was recording the conversation, and asked why he claimed the check as forgery. The landlord rambled on with deflection and clearly attempted to antagonize me and had several inconsistencies with his story. Chase will not give me any details on how it was justified that the check was forged. I went into a branch yesterday XX/XX/XXXX and a manager contacted the fraud department and the forgery claim was said to be removed off of my chase business account. After I left chase, my chase bank debit card was cancelled and I was unable to feed my family dinner. I contacted chase again and they informed me I need to contact the fraud department when they are open but I explained to them I already called once and went into the branch once and asked them if they can see those notes about my visit to the branch, and the manager lifting the restrictions from my account they said yes but I have to speak to Chase fraud department again. I received no notification from Chase or an opportunity to address the accusation and show proof of the landlords copy of the check and lease that he sent to me and XXXX, and has my name on it and that was deposited into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : In conjuction with previous CFPB complaints Under the law/following you are in violation : Reporting my transactions or experience ( utilization ) FCRA 15USC 1681a 2A *** *The need of MY written consent to report Anything and MY right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 ) ******* And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ] My late payment, remarks, Account status etc ESPECIALLY legally should not be on my report anymore AS YOU PREVIOUSLY AGREED.nor should the details of our agreement. If you feel this is an error and the violations don't pertain to you please send me a letter in details explaining why and BACKINGit with laws that override the above i stated...
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from Discover for my account being closed for any of these XXXX reasons per the companies letter. 
Your discover card account has been inactive for XXXX months or longer and/or account has been closed. 
I called customer service about XXXX weeks ago they were basing everything around XXXX. When the last purchase I did was in XX/XX/XXXX. About less than XXXX  months the account was closed due to inactivity. Today I reached out to their account review department, where they state that after XXXX months of inactivity they can close the accounts. Issue with this, hits my credit for no reason and I never received a warning my account would be closed due to inactivity. Tried talking to XXXX at the Account XXXX department to try to get my original credit line to just getting the same speech of the account being closed after XXXX months even though their letter to me stated XXXX months or longer. I tried applying to get a new credit card but the limit is only XXXX when I originally had {$8500.00}. I cant get an increase because of insufficient experience with current discover credit limit. This is based on the {$3000.00} credit card, not on my previous experience with them.