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

I had been double charged by a merchant on XX/XX/2022. They had my credit card through XXXX  XXXX on file and charged me there but also charged my Bank of America debit card for {$1000.00}. I did try to resolve this with the merchant unsuccessfully so on XX/XX/2022 I called Bank of America and filed a claim for the {$1000.00}. The representative told me that I could either mail or fax my documents in ( requesting statement from capital, and or receipts ) I said that I didn't have access to a fax so I would prefer to mail them in. Which I did that day. Stupidly I didn't send it certified, though I doubt that would have mattered in this situation. I was told that if they could not resolve my claim within 10 business days a provisional credit would be issued. That date would have been XX/XX/2022. When that day arrived, there was no credit so I contacted the claims department who told me that the claim had been denied for not submitting my documents. I informed the rep that I mailed them in and he said that it takes a month and a half to process documents via mail. I said if that was the case why was my claim closed so quickly when it takes 6 weeks to process paperwork. He didn't have any answer but told me to go ahead and fax them what I had. I did that Tuesday and called back but was told to give it a day or 2 for them to update things. I called back today and was told that they did receive my paperwork but that I was no longer eligible for the provisional credit because it was a reopened claim. I did everything they asked of me and now they told me that I have to wait 90 days. They knew I was mailing in the documents. They have recording of all of our phone calls so they know what was said and they are still refusing to reverse the denial and issue me the provisional credit. {$1000.00} may not be a ton of money but I have nothing right now because of it. I had to use the last couple of dollars I had to fax them the documents. I just want to be treated fairly and I almost feel like they closed my claim so they wouldn't have to pay. My claim was filed XX/XX/XXXX and closed XX/XX/XXXX. 5 business days. I am hoping you can help me to resolve this. My claim never should have been closed.
Product: Checking or savings account

At XX/XX/XXXX, I was in Bank of America to have my name added on an existing account to my mother which was also in the bank with me. While talking to the personal banker and manager, they told me I was unable to be added on to my mother account because someone took my SSN # and name and continued to open up an account during the months of XX/XX/XXXX and was successful on XX/XX/XXXX. I was shocked and begin to report this incident to the Bank of America fraud department. I have not had an account at this bank since XXXX or XXXX. While I report the fraud to Bank of America, they communicated to me that there was a few pages full of transactions from this account. My reference number that was given to me from Bank of America is # XXXX. The phone number to the Fraud department for Bank of America is XXXX. They told me that they will send me more documentation in 2 to 3 business days to review the transactions that was made. After I froze the three credit reports from XXXX, XXXX and XXXX. I was still able to file a police report for this incident and I received a incident number which is # XXXX.
Product: Credit reporting

I went to the bank to open an account and was not able to do so because Chex system inc. was reporting incorrect information about me. I contacted chex system XXXX 2016 to dispute the incorrect reporting and to date I have not received any response from them. I know they got my letter because it was sent certified mail with return receipt, and someone from their office signed when they got the dispute letter.
Product: Student loan

I have been enrolled in autopay for the life of my loans. I am of the understanding that these payments were to cover the amount of interest across 3 loans that totaled {$15000.00}. Upon looking for a payoff amount, I see my balance due is is over {$19000.00}! Having not made any principal payments, and making all my payments on time, I would not expect my payoff to be more than {$15000.00}. Also, when I initiated these loans, my interest was around 9 %. Looking today they are between 10.75 and 12 %. I receive monthly emails that are essentially a reminder that I have accounts with Navient ; I can not recall any additional communication ( short of Navient taking over my loans from Sallie Mae ) that mentioned anything about arbitrarily moving my fixed rate loan interests.
Product: Credit card

I called on XX/XX/XXXX and XX/XX/XXXX to get informatin on a Barclays card that shows up on my credit report. I was told that Barclays closed this account in XXXX. I asked when the last payment was because this account is very old and I hardly remember it. Rather than help me they said they could not provide any information and they hung up on me. I am requesting that Barclays be removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times for the Method of Validation as to who is reporting this, as there is a bankruptcy that has popped up on my credit report. As it is verified by the US Bankruptcy Court Of Kansas. I in fact have attached proof from the US Bankruptcy Court Of Kansas, stating that they do not report to any of the credit bureaus. So I am filing a complaint on behalf of myself, as they either have sent me a stall letter or have said it has been validated with the US Bankruptcy Courts Of Kansas.
Product: Debt collection

This is debt that I have never owned. I was and have been a person with identity theft. This debt collector has placed a public record on my credit report and has placed a lein on my property located at XXXX XXXX XXXX XXXX. Public Record Details Reference Number XXXX Court -- Date -- Status -- Amount {$4000.00} Classification -- Type legalitems
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I've having an extremely difficult time with XXXX  XXXX bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed.

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report.

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b it states a creditor can not treat a payment on an account under an open under a consumer credit plan as late for any purpose.
Product: Debt collection

In the recent days I received mail stating i was to be in XXXX session for a court hearing for an amount of XXXX. I am not sure if all this is a type of scam. When I called the number on the paperwork, the represenative that answered was rude and hung up on me. The prompt said the call was being recorded. I did look up this company Blitt and Gaines and it looks to be a debt collector. I am a Military Veteran and I have heard of so many scams going on. Please help. All the best, Thank you
Product: Debt collection

Several harrassing calls at my place of employment behind a debt I have no information about. This is the third time this number has contacted me under two different company names. This time it is from XXXX XXXX from National Credit Adjusters from phone number XXXX ext. XXXX Previously it was from XXXX XXXX from another company I do not remember. I submited a previous cfpb complaint about that.
Product: Checking or savings account

In the year 2014 I was suppose to receive an annual payment in the amount of XXXX on my Chase personal checking account instead it was receive to a wrong chase account that I had close for many years and on top of that they disburse a cashier 's check to an old address that I did no longer reside for 8 years. I sign a first affidavit and 30 days later didn't receive my cashier check due to the fact that paper work was not process whent in for the second affidavit to sign it was a major bank issue
Product: Credit reporting

Does this sound like the response of an impartial credit agency after 7 yrs. of stonewalling! I recently applied for a credit card with my Bank XXXX XXXX. I was required to go into my Bank and along with a Banker have a three-way call with the credit card company. The Banker answered all the questions and so did I. I was still denied. I applied for a credit card with XXXX dept. store and was also denied because of Experian 's report. See the included Doc. From what I can gather, I am dealing with XXXX, XXXX, and XXXX ( International fraud gang released on the world by XXXX ). The true source of the fraud addressed in 2015 by XXXX State Attorney Generals and XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX  XXXX # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATIONXXXX # XXXX, XXXX # 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

ERC ( Enhanced Recovery Corp ) Have placed XXXX Accounts On My credit Report in the amounts if {$230.00}, {>= $1,000,000} XXXX who are which with the same company ( XXXX ) and yet have different dates and account which is not valid also there is another XXXX from ( XXXX ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report.
Product: Credit card

I paid for postal services at the XXXX XXXX, FL post office on XX/XX/2023 at a cost of {$63.00} with a Citibank Mastercard charge card XXXX XXXX XXXX XXXX XXXX  XXXX. When I received my bill, there was a duplicate charge for another {$63.00}, which I did not authorize or receive any services for. The transaction number for this duplicate and incorrect charge is XXXX XXXX, showing that it was entered immediately after the original legitimate charge as it bears the number XXXX single digit higher than that of the original legitimate charge as you will note. 
I sent a complaint to Citicards Customer Service on XX/XX/2023. I received a reply dated XX/XX/2023 from Citicards verifying the {$63.00} charge with a USPS receipt stating that there was only XXXX transaction and they were closing the investigation. The charge that was verified was the original charge ( # XXXX ). My credit card invoice, which I had submitted to them clearly shows XXXX transactions for the same amount, XXXX after the other as noted above. Citicards ignored this point. I have sent XXXX more letters dated XX/XX/2023, XX/XX/2023, XX/XX/2023 and most recently XXXX pointing out Citicards ' error. Each time, they have responded that the investigation is closed, and they can not ask the merchant for verification! However, their focus continues to be on the original charge only and not the subject of my complaint, which is the duplicate charge with the different transaction number! This is completely unacceptable as I'm sure you will agree.
Product: Credit card or prepaid card

I had two credit cards with Bank of America that were closed simultaneously on XX/XX/XXXX. Both cards have balances. One card had a {$12000.00} limit and was opened in XXXX and the other was open in XXXX with a {$5500.00} limit. Neither card has ever had a late payment. I have no late limits on my credit file for any of my accounts. My credit score has dropped significantly due to these closures. I was notified via mail that they opted to close my accounts because my total credit utilization is high. I have never been late on any accounts and do not feel my account closure is justified as my credit utilization has only incrementally changed over the course of me having my Bank of America credit cards. My score has now dropped close to 50 points as the card opened in XXXX was one of my oldest cards, changing my length of credit history as well as my credit utilization!
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.Please delete this items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of an unauthorized credit inquiry that appeared on my credit report. I am disputing the reporting from XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. Upon reviewing my credit history, I discovered the presence of a hard inquiry dated XX/XX/XXXX from XXXX XXXX XXXX XXXX that I did not authorize or initiate. I am also disputing unauthorized credit inquiries from Regional Acceptance Corporation dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX. 
Per 15 U.S Code 1681 ( b ) Permissible purposes of consumer reports, Except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. A consumer shall notify a consumer reporting agency through the notification system maintained by the agency under paragraph or by submitting to the agency a signed notice of election form issued by the agency. 
Upon receipt of notification of the election of a consumer under through the notification system maintained by the agency, a consumer reporting agency shall inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency and provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established at the time the consumer provides notification through the system.

The inclusion of this inquiry has raised significant concerns as it has adversely impacted my credit score and financial standing. I have attached supporting documentation, including copies of my credit report highlighting the unauthorized inquiry, as well as evidence of my non-engagement with the aforementioned creditor during the stated timeframe. 
Per the FCRA as a federally protected consumer, I am have opted out of all authorization that I, the consumer, may have given you. Per 15 U.S. Code 6802 all written, unwritten, verbal or non-verbal authorization has been opted out of effectively immediately and indefinitely. 
I have urged XXXX XXXX XXXX XXXX, Regional Acceptance Corporation, XXXX, XXXX, and XXXX to conduct a thorough investigation into this matter and promptly remove the disputed inquiry from my credit report. Given the potential implications on my creditworthiness and financial well-being, I requested that this issue be addressed within 30 days to ensure the accuracy and fairness of my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an alert of a hard credit hit from XXXX from Macys and then later that evening I received an email notifying me of my new Macy 's citibank card that was just opened. I did not open a card. I on XX/XX/XXXX as soon as the customer service line opened to close and dispute the account and any charges but they were unable to tell me where or who opened the card. I am concerned that someone has my information. Also, the email that was sent did not provide any contact information for Macy 's or citibank, I had to find that information myself and it was not easy to obtain. They should be required to add that information on the email stating that if you did not open this card to call the number immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAP ONE NA Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Yes, maam I had a transaction of XXXX dollars from a company called CashnetUsa on XX/XX/XXXX I received the payment on the XXXX but I also called the company to say I did not want the money am before that time my account was negative XXXX when the money came I was no longer negative, because I didnt have money to pay loan back I called the company and made a request to cancel and they did from my knowledge the women named ( XXXX XXXX XXXX Illinois was my customer service helper I have screenshots ) canceled the funds the same day an took them out the next day, I seen my statement I was back negative on XX/XX/XXXX now they are trying to keep charging me XXXX a month for money I didnt use and gave bac If thats the case I will close this account permanently They decided to recind my offer like I want the money back Can we fix this
Product: Money transfer, virtual currency, or money service

I left my phone in an uber and before the driver returned my phone he sent himself {$500.00} on my XXXX XXXX
Product: Credit card or prepaid card

The card was opened under the wrong name. 

I had one charge on the card that was paid XX/XX/22 I have documentation from the company that my bank processed the payment on XX/XX/22. 

I closed the account on XX/XX/22 when I saw the money had left my bank account. I have documentation from the company that my account of {$0.00} was closed on XX/XX/22. 

On XX/XX/22, the company re-opened my account and charged me a late fee.
Product: Debt collection

Called the debt collection company Jefferson Capital System about a debt that showed up on my credit report for {$3800.00} on XXXX XXXX XXXX. Company uses an automatic service, reach a fraud representative who asked for my last four of my social and address. I was told my debt was sent to another company. I was giving the phone number ( XXXX ) XXXX which is not a working number. Something isnt right about this and its effecting my credit. Now the other collection company want answering any of my questions.
Product: Payday loan, title loan, or personal loan

I received a loan amount. I have been paying it down and but the amount never seems to go down. Rather it is higher. They are hard to work with and the accounting records seem to not include all of the payments. This is a predatory loan and they are not helpful. They just want their money. They put my account which was in good standing in past due now even before the due date.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received multiple emails and text messages claiming I was pre approved only to spend 10 minutes filling out information onlyfo to have credit card company run another credit inquiry and negatively affect it more each time. I'm being turned down for a lack of credit history how does someone get credit If he is 100 % of the time denied because I never borrowed from lenders? I make XXXX. Year and am debt free but someone who pays off one debt with another gets approved. What a XXXX system
Product: Credit card

My issue is with my Chase Sapphire Signature Card 's Travel Protection which is handled through XXXX XXXXXXXX has refused to pay out for a trip that had to be cancelled due to a tropical storm and instead repeatedly asked for the same already provided documents. It has now been several weeks since they have last answered me and several months since I made my submission. 
The initial claim was filed XX/XX/2024 for a trip that was planned to occur on XX/XX/2024 in the XXXX. The intent was to take a bus from XXXX to the ferry terminal to take a ferry to our final destination at XXXX. Due to a tropical storm we were forced to return to XXXX. The claim was requesting expenses of {$280.00} USD for hotel rooms. Bus Tickets adding to {$35.00}. XXXX adding to {$34.00}. And my travel companions ' hotel room of {$95.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinserted information on my credit report that was previously removed. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXX XXXX  Account Number : XXXX, which was removed following a dispute. However, I recently discovered that this account has been reinserted on my credit report without receiving any notification from your agency within the required time frame. 
This reinsertion without the proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ).

Therefore, I request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide written confirmation that this has been done.

3. Ensure all future reinsertions comply with FCRA regulations.

Attached are copies of the relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal.

I expect this matter to be resolved promptly and request confirmation within 30 days of receiving this letter. 
Thank you for your prompt attention to this issue.