23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America Credit Card Billing/ Fraud Department XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2024 Re : Dispute of Fraudulent, Unauthorized Credit Card Charge Claim ID : XXXX To Whom it May Concern : On XX/XX/2024, I was traveling in XXXX, XXXX XXXX, XXXX XXXX I stopped for gas and paid the attendant with my Bank of America credit card. Unbeknownst to me, when I asked for a receipt, he turned around and must have inserted my card for a few seconds into a different handheld card reader. That evening, when I stopped at my hotel and had wifi again, I received emails about the two charges which were one minute apart. 

The one for gasoline was the expected {$40.00}. The other was for a horrifying {$1100.00}, to XXXX XXXX XXXX XXXX. I have no idea what that is, and yes I tried unsuccessfully to XXXX it. I immediately called B of A that same day and reported the unauthorized charge, within eight hours of its occurrence. I had to use my travel companions phone since mine doesnt work internationally. We didn't have a good connection, but I tried to explain as best I could what happened. 

My claim was denied. When I got home, I called to appeal and later received the same form letter of denial. Needless to say, I am unhappy. I did not make this charge. I was at a gas station and it would have been impossible for me to rack up such a charge there ( one minute after buying gasoline, while sitting in my rental car ). The representatives I spoke to could not even tell me what I supposedly purchased. 

I believe that this unauthorized charge should have been flagged as pending since it is so out of character with my usual charges ( limited to hotels, restaurants, gas, and rental cars ). I only use this card when traveling internationally. I have been a customer of Bank of America for many years and this is the first time this has happened. I did have something similar ( different bank, similar amount ) happen several months ago at a local restaurant, when my card was brought to the kitchen. XXXX immediately listed the charge as pending, and when I communicated with them that I did not make the charge, they dropped it from my account. I think that Bank of America should have done the same, especially since it was such a large amount. 

Bank of America advertises XXXX liability for fraudulent charges, yet is holding me accountable for a very expensive charge I did not make. The Fair Credit Billing Act limits my liability to {$50.00}. Therefore, after two phone appeals, I am putting my concerns in writing and reporting this incident to the Consumer Financial Protection Bureau. 

Please contact me if you have any questions. I am still expecting this unauthorized, fraudulent charge to be credited to my account. 

Sincerely, XXXX cc : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX when in fact the date of last activity should have been XXXX as this is the date a last payment was made. Equifax and XXXX has had months to correct update this information yet they never did.. I have attached all letters sent to them within the last five months. 

Under 605c running of the period under the consumer protection afforded by the FCRA, consumers can fine the credit bureaus for violation of this right. For credit bureaus, creditors or collection agencies if they try and re-age your account by updating the date of last activity on your credit report in hopes of keeping on your file longer.
Product: Debt collection

I had a private student loan from XXXX for 3-4K and have had no contact nor received anything from this company XXXX XXXX XXXX since XXXX. This collection agency claims that now my balance it XXXX and because it was charged off in XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XXXX since XXXX charged it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

i didn't ask for these companies cards and don't know where they came from Experian XXXX XXXX XXXXXXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXal XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit score was lowered XXXX points from Trans Union despite having consistent on time payments, and no negative remarks. This is the XXXX complaint seeing how CFPB closed the complaint with no resolution. If my credit score is not restored after this attempt, I will be hiring a consumer protection attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a monumental problem with Macys and my credit reporting agency. When XXXX and XXXX agencies report to Macys, they are sending in reports that indicate that my XXXX score is under 500. I have never had a XXXX score of 500 or less. I do not understand why I am having so many problems with the credit agencies and Macys. 

The credit bureau tells me that it's not their fault and Macy 's tells me it's not their fault in the meantime no one is willing to assist me. 

Macys tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX & XXXX. 

I am disputing the information they are forwarding to Macys. I dont know how to correct the mistake Of the credit bureaus as well as Macys records. A Macys credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XX/XX/XXXX and still have no resolution to the problem. 

I am a senior citizen and being unjustly punished. I keep getting the run around from the credit bureaus and Macy 's.
Product: Vehicle loan or lease

My daughter was in a wreck and Total lossed the car. ( XXXX  XXXX XXXX XXXX ) My daughter said she called them and told them what happened. My daughter had the responsibility of making payments on that vehicle, not me.Santander Consumer still calling.There is no car to pay on.It was a total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I have sent in a request for information that was violating my rights as a consumer the 3 major credit bureaus. I was told that the court reported the information to the bureaus and it was very clear that it was a third party that the incorrect information was reported from. I have been communication back in forth with the court and the bureaus regarding this matter and it has caused a lot of stress for me with my credit being damaged and its not allowing me to get the full credit that i deserve.
Product: Credit card

I was online reviewing product on Ashley Furniture I wanted to Finances the product they inform me that I can not Finance for order on line and I can not apply for Ashley Furniture XXXX Card because I not in the purchasing their product. What is their not Ashley Furniture in your city the store in XXXX sell their product but not a Ashley Furniture XXXX so is it fare to say to customer that do not have Ashley Furniture XXXX near them the can not apply for credit Card or Finance the Furniture everyone should have the same opportunity as those customer that have a Ashley Furniture XXXX in the State or Neighborhood. Please investigate Ashley Furniture Product and Service are legal and not violating all customer rights and they working the business according to United States Federal RegulationsIt 's the card that suits your style & budgetWe designed this card so you can enjoy everything Ashley Furniture XXXX has to offer, plus these benefits : Special financing availableQuick approvalConvenient payment options24/7 account accessSecure online payments & ebill statementsNo annual feeMoney-saving coupons & exclusive offersFor in-store purchases only ; card can not be used for online purchases. 
Subject to credit approval. 
Apply & use the card at these XXXX for the Ashley XXXX XXXX in store or online. Visit the nearest XXXX and a Sales Associate will happily guide you through the application process. 
Apply today for the new Ashley XXXX XXXX. 
It 's the fast and easy way to bring home the # XXXX Name in XXXX.
Product: Debt collection

Company provided credit card information to a stranger. I don't authorize the two law firm to access my private information
Product: Credit reporting or other personal consumer reports

My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with XXXX XXXX or XXXX XXXX . They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.
Product: Debt collection

This house was sold in 2008 over 8 years ago. The house afterwards has had a myriad of renters. This company knows that this is not our debt yet for years has tried to collect from us. It is over 8 years ago and they still keep trying to get it from us because we have an address and they can threaten us with damage to our credit rating. XXXX removed this from our credit report because of a dispute and now this company again is trying again to find someone with a live pulse to extract monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE- I received a response from Lendmark Financial regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to XXXX, Lendmark is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. Lendmark is reporting to XXXX and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

Lendmark is reporting with XXXX that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX and XXXX, Lendmark reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.
Product: Mortgage

I refinanced my mortgage with LoanDepot and when the mortgage was funded and I received my Closing Disclosure dated XX/XX/XXXX I noticed the following : Closing Costs Financed ( paid from your loan amount ) {$1600.00}. I called the account manager to find out why they financed my Closing Costs when I said I would pay 'all ' of it because I didn't want to finance anything except the loan payoff from XXXX XXXX . The account manager ( that worked on my refi ) didn't know why so she said she would asked her manager why there were any Closing Costs and what these fees were. According to her, the manager said they aren't APR sensitive. She said that means they aren't Closing Costs. Needless to say, I wasn't happy since I assumed I had paid 'all ' costs which came to {$6900.00}. I told her I don't understand how you can charge for something that there is no explanation of for the fee. I told her I want to know what it was and why it was financed. She said she understood my concern and since her manager didn't offer her an explanation that she understood and could explain to me that she would reach out to her Director for a better explanation. We had that conversation on XX/XX/XXXX and I sent an email to follow up on XX/XX/XXXX as I hadn't heard anything. On XX/XX/XXXX, I received a revised Closing Disclosure stating that there was an internal post-closing review and they determined revisions were needed. Unfortunately, that didn't explain why there were Closing Costs. The revision reduced the amount to {$1600.00} to be financed. The account manager didn't call me to explain why so I called on XX/XX/XXXX and left an escalated message for her or her manager to call me on with an explanation. I also sent another follow up email on XXXX to the account manager. Needless to say no one has contacted me. She won't respond to my emails or calls. This is ridiculous!!
Product: Credit card

This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees.
Product: Credit card or prepaid card

I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check. 
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ). 
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail. 
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices.
Product: Checking or savings account

I originally submitted a dispute for transaction on XX/XX/XXXX for the amount of {$2900.00}. It was not uploaded into system until the XX/XX/XXXX. I contacted the Customer Support ( CS ) regarding the mislabeling of the submission date being the policy states that they have 10 days initial to investigate, then they will post a temporary credit. Then a full investigation could take up to 90 days. It was communicated to me by CS the reasoning behind the date difference for multiple different reasons that didnt seem logical. So after waiting the 10 days by both dates, I asked if I could file a formal complaint regarding the handling of the dispute. The CS stated that she was submitted my complaint and I was contacted by XXXX with Member Advocacy which only sent out an email stating she tried to contact me and was unable. I attempted to reach her 3 times and no response back. However, the same day in my bank documents I received letter stating that I requested to withdraw the disputed transaction which I did not. Therefore, I had to resubmit the disputed transaction for which I had submitted all my documents for transaction to support my claim. Within a hour of the new dispute, my account was locked and closed. I have banked with USAA for over 11 years now and never seen anything like this because of a complaint
Product: Debt collection

THe debt was paid and they still have it showed as open on my credit report but with a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX CO XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I am on the REPAYE program but my servicer, NELNET, has formulated it so that the first 12 months are {$220.00} and then my payments balloon to {$650.00} a month until it is paid off, no matter my income. I can not afford this. And the only other options that allow me to pay less are NELNET 's program, which will incur a larger amount paid in interest over the life of the loan. 

The REPAYE program is quoted to be 20 years for XXXX loans, but NELNET has told me that my payments do n't take 20 years and can not explain why I 've been put on this particular schedule. 

Further, they will not give me a spreadsheet that itemizes my payments, interest vs principle payments, and note the interest paid by the Dept of Edu by way of the REPAYE plan 's feature.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX,
Product: Checking or savings account

I received emails stating that an account had been opened at Bank of America in my name. I never opened said account. Received emails XX/XX/XXXX around XXXX, but was not home to see them until XX/XX/XXXX around XXXX. Bank of America does not provide twenty four hour services and thus I am stuck without an opportunity to address the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received alerts from my current credit card regarding a hard inquiry and a change of address from Bank of America done on XX/XX/XXXX. The address reported does not belong to me nor I applied for a credit card on this date. I reported this incident to XXXX and Bank of America on XX/XX/XXXX and XX/XX/XXXX. However, on XXXX I received an alert again regarding a different inquiry done on this day. I did not apply for a credit card on this date either.
Product: Money transfer, virtual currency, or money service

There has been numerous occasions my online transfers using zelle was received by the wrong recipient and nothing was done about it. Specifically using chase bank. Due to lack of policies and legal enforcements I lost out on a lot of money from false businesses or accidental mishaps and I am requesting fair compensation.
Product: Debt collection

Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. 
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. 
I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible