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

In connection to my complain # XXXX and your reply of XX/XX/XXXX with reference to the BofA Department as a follow up. 
On XX/XX/XXXX I received following email : " Dear Ms. XXXX XXXX : Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). 
I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. 
Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXX to confirm that information. My phone number is XXXX extension XXXX, and I am available Monday through Friday, XXXX XXXX to XXXX XXXX. Pacific. 
I look forward to assisting you. 
XXXX XXXX, Resolution Specialist Regulatory Complaints-Chief Data Office Bank of America ( XXXX ) '' Despite my multiple attempt on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, within the time frame posted, to reach for the Mr XXXX and left voice messages with my name and phone number, no further reply of any kind had been received by this day. 
It was more than 90 days than Bank of America has been investigating the fact of deliberate release of my funds to the criminals as a result of property and Identity theft. On XX/XX/XXXX claims had been honored and funds had been posted to the " frozen '' accounts. Current status of the funds is in processing state from XX/XX/XXXX.
Product: Checking or savings account

I received a bank statement from Wells Fargo and noted that my account was low. I went to the Wells Fargo branch in XXXX XXXX on XX/XX/XXXX to inquire about my low balances. I was informed there appeared to be large fraudulent transactions in XX/XX/XXXX and XX/XX/XXXX and the branch manager said they saw small fraudulent transactions starting in XX/XX/XXXX of about {$500.00} on average, however, the balances significantly increased in XX/XX/XXXX. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00}. In XX/XX/XXXX, there were fraudulent transactions totaling {$6700.00} and in XXXX there were fraudulent transactions totaling {$9700.00} and in XX/XX/XXXX there were fraudulent transactions totaling {$8600.00}. Since XX/XX/XXXX there have been various transactions with various amounts to the same company on the same day. I did not use these companies ' services or products. Their fraud alert system did not catch these transactions. I called Wells Fargo and I was informed they were going to investigate. I received a notification on XX/XX/XXXX notifying me my claim was closed and was only reimbursed {$1400.00} which was a fraudulent transaction they flagged on XX/XX/XXXX which I was not notified about due to their 60-day policy. I was not informed this was the first fraudulent transaction and therefore only received this amount. I spent an hour talking to XXXX from their claims team and he did not want to reopen my case or open up a new one and I lost my savings. Per Wells Fargo, they have a Zero Liability policy which states " Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. Its built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly. ". This is false advertisement to the consumer as they are not reimbursing me for all fraudulent transactions that happened in XXXX. I notified Wells Fargo as soon as I noticed the decrease in the transactions and they will not reimburse me for the recent transactions which decreased my savings significantly and they chose to reimburse me for a transaction from XX/XX/XXXX which is insignificant to the amount that was stolen since XX/XX/XXXX.
Product: Credit card or prepaid card

I have a Macy 's charge account. I paid my bill in full which was due on XX/XX/2021, through my bank 's online bill pay service. They mailed a paper check to Macy 's on XX/XX/XXXX. Macy 's deposited the check XX/XX/XXXX. Macy 's has yet to credit my account with this payment despite my bank faxing a photo of the front and back of cleared check on four different occasions. I opened a payment dispute through customer service on XX/XX/XXXX. I even e-mailed XXXX with a picture of the cleared check plus my full name, Macy 's account number, and my phone number as recommended by customer service. The problem is that Macys keeps charging me a late fee plus interest charges even though they say that won't happen with disputed charges. I have to constantly call customer service and tell the whole story again and insist they reverse the late fees and interest payments. However, nobody can tell me if Macys has even received the documentation or when my dispute will be resolved. I think 90 days is much too long to hold my money hostage. This has created undo XXXX  and worry. I pay all my bills in full every month. On XX/XX/XXXX when I called customer service about this issue, they said they didn't receive my XXXX payment either and insisted I pay a steep minimum payment to keep my account from going into delinquency. I did. The next day, the XXXX payment ( all new charges minus the disputed amount from XXXX and all late fees and interest ) was credited to my account. So, when this is all finished, Macys will still owe me the {$73.00} minimum payment they insisted I pay. How can any reputable company keep money for so long without letting their customers know what is going on and keeping them informed? Especially after receiving all the documentation they need to track down my payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving Transunion response to my investigation request, claiming that my inquires are " a matter of factual record, '' I called the companies that made the inquires and they told me there was nothing they could do and I would need to open an investigation with you directly. 

Upon getting this very frustrating answer, I did some investigating of my own. What I discovered is that the only permissible purposes for pulling someones credit are : A firm offer of credit Insurance Employment Court Order Since none of the reasons listed above apply to my situation, I am demanding a re-investigation by Transunion ( as is my right according to the FCRA ) and that the inquires listed below be removed from my credit report.

* I have sent 5 letters to Transunion which were received on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX pertaining to these Hard Inquiries removal.

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Student loan

I am currently not eligible to get any student aid from school as I only have XXXX credits but yet I have to pay. I tried to get a private loan with Wells Fargo but got denied due to credit. How does one pay for school with no help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been opening accounts in my name without my knowledge.
Product: Credit reporting or other personal consumer reports

Some tried to open a credit card account in my name with XXXX back on XXXX 2023. I don't recognize this. I didn't authorize it either. 
XXXX Hard inquiry ( XX/XX/2023 )
Product: Credit reporting or other personal consumer reports

DEPT OF EDXXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3500.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3600.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX XXXX Original balance {$2200.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened XX/XX/XXXX XXXX Original balance {$2000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1700.00} Status : Closed Status : updated XX/XX/XXXX They have and /or are continuing to violate 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 XXXX 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

Year XXXX, I activated a credit card through American Eagle with a co-signer, my ex fianc, because I had no credit at the time. I was on time for years paying my monthly payments. My total amount due always lingered around {$2000.00} no matter what I paid due to the fact the interest rate was so high it seemed as though I could never get it paid off. I cancelled my credit card maybe a year after obtaining it. I was still just making payments monthly or as I could. I was in a domestically violent relationship with my co-signer who I was living with at the time of activation of this card until I moved out at the beginning of XXXX. I purchased my own car right before moving out, having to do this behind his back so I could get out of this abusive relationship. Once I moved into my house that I rent, in XXXX XXXX, I was now responsible for a car payment, house rent, cell phone, lights, gas, groceries ; things I was not having to purchase before because he controlled every aspect of my life against my will. He made statements that he would pay this credit card off, at the time he had his XXXX for 15 years and was very successful, I was a struggling college student trying to get into XXXX and working at $ XXXX. It became impossible for me to be able to keep up with the payments and intrest rate of 26 %. I was accepted into the XXXX in the XX/XX/XXXX. I had to get student loans, I was not eligible for financial aid, I was going throught emotional stress, my hours at work had been cut in half. it is impossible to pay off this debt especially when someone else was the main user of this credit card besides myself.
Product: Debt collection

This is not my debt. I have fraud alerts on my file as I been hacked and information is on the dark web. Someone applied for a payday loan using my information online in 2013. Now a collection agency by the name of XXXX XXXXXXXX XXXX XXXXXXXX are trying to collect a debt I do not owe and they have placed this debt on XXXX credit bureaus, XXXX, XXXX, and XXXX. Whoever opened the online payday loan in my name did it in 2013. I am XXXX XXXX XXXX XXXX XXXXXXXX fixed income and I am a victim of identity theft. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me They have people outside of the US calling me threatening me and threatening to take me to court. 

The company stop contacting me and remove the credit collection activity they just placed on my XXXX credit reports. They are illegally trying to make me pay for a debt that does not belong to me. I have fraud alerts on my report where I been having fraud activity and people trying to obtain my contact and personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a home buying journey early XXXX and noticed inaccurate and invalid information on my credit report. I have requested The companies to validate or remove this items from my report since as early as XXXX of XXXX.These companies have refused to do so in over a year!!

I find this act as 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character. I have not received any response back on this matter. This issue has affected me purchasing a home and my good name. The item is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  Per the Law ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX  Inquieries.
Product: Credit card or prepaid card

I suspect fraud so I get on the self lender app for support which I tried doing the bright previous to this filing and they said chat is closed and said the hours so I just check again and they dont have a number to contact so I go through the prompts that I clicked were like I suspect fraud and it goes to sent me to and agent but nobodys there no Waiting in queue just sorry bye like when am I able to contact about this fraud on my account only these XXXX charges
Product: Vehicle loan or lease

I, the consumer and natural person was denied credit by Alliant Credit Union, on XX/XX/2024, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Alliant Credit Union due to the response I received. 

Alliant Credit Union, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of Alliant Credit Union. 

If Alliant Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make Alliant Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


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

Beginning in XXXX of 2018, I sent a certified letter to XXXX XXXX XXXX explaining that I was disputing the amount they said I still owed on the leased vehicle I turned back in to them. I awaited a response in the mail but never received one. I sent additional letters over the next couple months without any written response other than a bill. They then started to mark my account as past due and eventually marked it as " charged off ''. All the while, I was making every attempt to get this resolved with them directly. They continued to ignore my requests and unfairly marked it as charged off. I have since made additional attempts to get the matter resolved but to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights.

Details of the Fraudulent Account : Account Name : XXXX XXXX XXXX XXXX Date Opened : unknown As stipulated u

nder Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification. 2. Proof of my current address ( [ e.g., utility bill, bank statement ] ). 3. A copy of the FTC Identity Theft Report or police report documenting this incident. This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. If you require additional information, I can be reached at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX last reported- XX/XX/XXXX  {$790.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am writing to formally express my concern about the inaccurate and incomplete credit information currently reported by your bureau. It has come to my attention that the information listed below is part of my credit profile, and I believe there have been lapses in maintaining reasonable procedures to ensure the maximum possible accuracy of the credit reports you publish. Credit reporting laws mandate that bureaus report only 100 % accurate credit information, necessitating stringent measures to guarantee the completeness and accuracy of reported information. Therefore, I am requesting proof of the alleged item, including the contract, note, or any other instrument bearing my signature. In the absence of such evidence, I request the prompt removal of the item from my credit report : XXXX XXXX XXXX. The accuracy and completeness of the listed item are seriously questionable. Furthermore, I wish to bring to your attention that other bureaus have already removed these accounts from their records, having identified and rectified errors. I am perplexed about how your bureau has verified this information while others have successfully corrected their records. Consequently, I insist on the removal of these items from my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit card or prepaid card

I had opened the American Express Blue Cash Preferred credit card on XX/XX/2022. 
The welcome offer on the card was {$300.00} on spending {$3000.00} within the first 6 months, with the 6 months period being from XX/XX/2022- XX/XX/2022. 
On XX/XX/XXXX, American Express determined that I had met the spending requirement of {$3000.00}, and provided me with the welcome offer of {$300.00} cashback. 

On XX/XX/2022, American Express sent me an email stating that : " We have charged {$300.00} to your account referenced above and wed like to explain why. 

Heres what happened After careful review, we noticed you had received a credit linked to a promotional offer you were enrolled in. Unfortunately, after issuing the credit we found that you did not satisfy the terms of the promotional offer. 

You will see the charge on an upcoming statement. " This email is completely unwarranted, and their customer service team stated that there was a miscalculation due to which the {$300.00} welcome offer was given to me, and I have not " actually '' met the spending requirements. 

They highlighted some credits which I had received in my account due to return of items. dated XX/XX/XXXX, and XX/XX/XXXX respectively, which they had " mistakenly '' not considered when providing me with the bonus on XX/XX/XXXX. 

The point to be noted here is that the credits being referenced here occurred on XX/XX/XXXX and XX/XX/XXXX respectively, whereas the welcome bonus was credited to my account on XX/XX/XXXX, which is after a period of 45 days. 
This means that American Express had enough time to update their system, and even after the credits received by me on XX/XX/XXXX and XXXX, American Express determined that I am supposed to receive the welcome bonus. ( which was subsequently credited on XX/XX/XXXX ). 

However, on XX/XX/XXXX, I have received the email described above. The point to note here is that American Express specifically sent this email on XX/XX/XXXX, 1 day after the " six month spending period '' has expired. This was done in bad faith, so that there is no possibility to meet the spending requirement anymore. 

Another point is that, why have they now determined that I did not meet the spending requirement, when the welcome bonus was credited to my account on XX/XX/XXXX. That leaves a period of 4 months between XX/XX/XXXX to XX/XX/XXXX, when they could have sent an email to specify that my spending requirement has not been met. However, they took a period of 120 days for their system to get updated, and conclude that the welcome offer was credited incorrectly. 
This is a deliberate case of cheating and Fraud. Especially given the dates of the events as they occur, it is an obvious attempt by American Express to cheat consumers by providing them a " welcome bonus '' early, and then after the " spending period '' has expired, to get back saying that they have reviewed and it is incorrect, leaving the consumers with no chance of meeting the spending requirements.
Product: Checking or savings account

On XX/XX/2021 a charge of {$990.00} was taken out of my account by a XXXX Disaster Pro This was never authorized. I called Simple bank and told them immediately it took them 10 days to send me and email saying Based on our investigation, we have concluded that no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. 
The reason ( s ) for denial : There is no evidence that an error took place. So then I called the merchant after having to look it up online because it didn't provide a phone number to my bank which the guy spoke with on the phone said that that was strange. I called XXXX disaster pros it pretty much went straight to a voicemail nobody ever answers they never call you back and then I emailed them and they said Hi XXXX, Thank you for getting in touch. 
Unfortunately, I have no way to verify if you did or did not. If you feel someone may have stolen your information then you need to file a police report and send that to us. 
Have a nice day! 
XXXX XXXX XXXX XXXX Customer Support I sent them an email back saying How can you work on somebody's loan application if you can't see who put in that loan application cuz obviously who put in the loan application is not the same person that's on the bank account cuz I know I didn't sign for anything so how am I supposed to file a police report The only name that I have is y'all 's name so do I file a police report on y'all I guess I'm going to have to if I don't get my money back. And have never gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.