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

On XXXX XXXX, 2021, a man named XXXX XXXX was able to withdraw a fraudulent {$3300.00} check from my Chase checking account, without my consent or knowledge- and the check didn't even have a signature on it! I know I should've caught and reported the fraudulent transaction much sooner - but this shouldn't have happened in the first place, especially without my signature or endorsement on the check. I'm also afraid it will happen again. Chase isn't investigating, refunding me or doing anything about it - so I guess I'm supposed to just accept that I'm out {$3300.00}.
Product: Credit reporting or other personal consumer reports

This is incredibly XXXX because a lot of information appeared in my credit report and I believe they were not checked or verified at all. It has impacted my credit report and now has affected me mentally that I can no longer go on happily with my life. I am having XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in XXXX  XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to XXXX  an took advantage of my name social security number while under XXXX to receive benefits of this credit card while counting my life out
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS SHOWING TO DIFFERENT DATES OF DEPOSITING MY MONEY WHICH I PAID IN FULL CODE XXXX ON XXXX XX/XX/year> IN PERSON AT THIER BRANCH LOCATED ON XXXX XXXX XXXX XXXX LA XXXX. NOW THEY HAVE TWO DIFFERENT DATE OF XXXX AND XXXX OF DEPOSTING MY MONEY THAT ACTUALLY ZEROED MY BALANCE TO {$0.00}. THIS DETRIMENTAL TO ME PURCHASING MY HOME, I'M FURIOUS THAT THIS ENTITY IS EXERCISING BEHAVIORS OUT IN OPEN PUBLIC. FOR THIS INSULT I ASK FOR LACHES OF {$1000.00} DOLLARS FOR EACH VIOLATION, AND LACHES TO BE APPLLIED IMMEDIATELY FOR EVERYONE INVOLVED OF $ XXXX NOW THIER SHOWING REVERSALS ON THE ACCOUNT AFTER THE FACT OF FACTIOUS ACTIVITY ON THE ACCOUNT XXXX XXXX XXXX CODE XXXX. PAID IN FULL ON XXXX XX/XX/year>. 

THIS ENTITY NEEDS EXTREME LACHES APPLIED IMMEDIATELY {$35000.00}
Product: Credit reporting or other personal consumer reports

Bank of America has incorrect information of my information and they are reporting this personal information as accurate when it not.
Product: Mortgage

Next Disbursement Due Amount for my county  taxes is listed at {$2600.00}.   Sent documentation to  MyLoanCare on   XXXX / XXXX /  XXXX   to reflect the new amount of {$660.00}. However, the company still has not made the change. I have called to followup every business day since  XXXX . I 've been hung up on several times and have asked to talk to a supervisor but never get transferred to  one.    This amount is making my escrow payment close to {$400.00} per month higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by FCRA
Product: Checking or savings account

I tried transferring {$5000.00} dollars from my checking account from BANK OF AMERICA to my Bank Savings account of XXXX XXXX XXXX XXXX XXXX, both located in the same city of XXXX XXXX XXXX. And both accounts under my name. 
On XX/XX/year>, the only option that Bank of America gave me, was a transfer that would take XXXX  days, because it was through the application. After that time, On XXXX XXXX my money was NOT in any bank, SCARED I called XXXX XXXX XXXX  and discovered that the BANK OF AMERICA sent them a FAKE CHECK without funds, and from another bank. 
My money was held and hoarded by Bank of America and XXXX access to my savings and checking accounts, losing total control of my money and fund movements. 
I was in XXXX XXXX due to the funeral of a loved one, which is why I needed the money at XXXX XXXX, since this bank is more transparent and honest facilitating financial transactions. 

I immediately acquired a plane ticket to return to the XXXX XXXX without being able to help my family in XXXX XXXX, I entered the debit card that I was leaving at that time and I saw that the card had funds with which I could pay for my plane ticket, without being able to see charges or movements in the Bank of America XXXX application, so I tried to get money from the XXXX XXXX  in XXXX XXXX, being able to get my money in this only way, but without any control over balances, payments or movements, so I COULD NOT realize that BANK OF AMERICA charged me exorbitant amounts of fines and fees that exceed the amount of {$500.00} dollars. 
I respectfully request that BANK OF AMERICA be obliged to compensate me FINANCIALLY for the series of expenses that I was forced to make to return immediately to XXXX XXXX XXXX, on a date that I had not contemplated to make it, on a flight that cost me XXXX {$430.00} XXXX  with all the expenses and INCONVENIENCE that it generated for me due to the urgency of coming to UNBLOCK the accounts of both banks, BANK OF AMERICA and XXXX, both accounts were opened in my name, I am the only beneficiary client and owner of the money deposited in branches in the City of XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICHELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my free annual credit report and became aware that I have multiple inquiries from unknown sources that I did not authorize. I would like these companies the remove these inquiries from my credit report. I will attach the inquiry page that includes a list of these companies.
Product: Credit card or prepaid card

I am an  XXXX   XXXX  military member, and like numerous others who have recently submitted complaints on CFPB against Barclays, I too signed up for  Barclay 's Luxury Gold Card having been promised waived annual fees ( {$990.00 } ) and 0 % APR for as long as I maintain  XXXX   XXXX  status. I became a member in the beginning of  XXXX    XXXX   and had no issues obtaining the military benefits. However, by  XXXX , I had heard rumors of policy changes, specifically that these benefits would no longer be offered to new card members. After investigating this further, I was assured that this would only affect new card applicants, and that current cardholders would essentially be grandfathered into the original agreement. A couple of months ago, I received the same letter than many others on here have received, detailing another policy change where the annual fee would no longer be honored. According to the letter, I will owe the annual fee of {$990.00} starting this  XXXX , while I will continue to have 0 % APR for the duration of my  XXXX   XXXX  service. I called  Barclays  to try to resolve this without any success.     My issue with Barclays is n't the annual fee itself, it 's their blatant disregard for business ethics, violation of good will, and their unwillingness to make amends. I would not have signed up for this credit card as the annual fee far outweighs any of the benefits I would normally be able to use. I signed up because the offer was honestly a good deal. But with this drastic reversal in policy, this seems very much like a bait and switch. If I cancel the card, which I will most likely end up doing, I will still have a hard pull on my credit report to the detriment of my credit because  of Barclay 's irresponsible methods. Barclays should revisit this policy and honor the agreement they promised current card holders when they signed up for this c ard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is infringing on my right to privacy of my personal information. They are illegally reporting my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw that XXXX had a entry on my credit report. I do not have any dealings with XXXX. I called XXXX but was put on hold for more than an hour. No one answered. This is an invalid entry. I have nothing to do with XXXX. I want this removed from my credit report. I made an inquiry but I did not open an account with them.
Product: Debt collection

XXXX XXXX XXXXXXXX debt is 6 years old. NYS law says these debts are time barred after 3 years. I already told them back in 2019, in court, my only source of income is permanent social security XXXX. Now a few months ago another court case filed for the same thing. Sent them XXXX letters and received no reply.
Product: Debt collection

Please provide validation of the debt and method of verification for this account : LVNV FUNDING LLC / RESURGENCE CAPITAL , LLC # XXXX I'm not familiar with is account.
Product: Student loan

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I received email communications from Nelnet alerting me that my account was in administrative forbearance. On XX/XX/year>, I received another correspondence via XXXX that I had a payment due on XX/XX/year> ( all correspondence are attached ). 

It was my understanding that I would be alerted about the resumption of payments 30 days before the new date. The notices of forbearance led me to believe that I still had at least 30 days before my payments resumed, but now I find myself with a payment due in 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. Capital One needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
Product: Credit reporting or other personal consumer reports

As a victim of the Capital One data breach where my information was compromised, I was initially offered free credit report monitoring through XXXX  by Capital One as a remedial measure. However, Capital One abruptly ceased this credit monitoring service without any notice, subsequently transmitting my sensitive information to my employer. This breach of my privacy and their failure to uphold their commitment to safeguarding my credit information showcases a severe lapse in their responsibility. It's deeply concerning that Capital One seems to disregard legal obligations and lacks accountability. Regrettably, I find myself in a situation where seeking resolution for these concerns feels challenging and seemingly without viable options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX charged my Credit Card in XX/XX/2018, {$930.00} for an Air /Hotel Package for a 3 days ppackage from XXXX to XXXX XXXX ( for myself and wife ) to travel from XXXX , N.J to XXXX XXXX from XX/XX/XXXX thru XX/XX/2018, plus {$53.00} for Travel Vacation Insurance. When my mother died on XX/XX/XXXX I contacted XXXX XXXX to change my travel dates to XXXX forXX/XX/XXXX thru XX/XX/2018 and I was assured that my Insurance Coverage was going to cover my new travel dates. However, XXXX improperly charged my American Express Credit Card for the new travel dates, with same Hotel stay another {$1000.00} plus, and credited my card only {$200.00} for the extra flight cost. Plus they credited my Credit Card {$53.00} in XX/XX/2018, for Insurance payment made to them in XX/XX/2018, in attempt to justify NOT honoring Insurance purchased on my Vacation Package. 
XXXX has since re-billed my American Express Credit Card against my challenge and they are insisting on collecting additional payment of {$930.00} for our travel and stay in early XXXX, instead of late XX/XX/2018. Their failure to honor the Vacation Insurance paid for in XX/XX/2018 is a form of deceptive and fraudulent business practice.
Product: Debt collection

XXXX fraudulent purchase made on Klarna for a XXXX XXXX. Was unaware of the purchase until I received a text from your company listed below XXXX Klarna sent first contact via text informing me a transaction XXXX XXXX XXXX notified Klarna of fraudulent account/activity on customer support hotline XXXX Klarna sent email confirming dispute and requesting full explanation of what they considered an unauthorized purchase XXXX XXXX XXXX responded XX/XX/XXXX with full explanation via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX Klarna requested the following documents via the XX/XX/XXXX email : copy of the police report, a copy of an FTC ID theft affidavit, and a photocopy of your government-issued photo ID. 
XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX XXXX XXXX XXXX sent registered mail all requested documents listed above as Klarna requested in the email from XX/XX/XXXX. 
XXXX Klarna requested the documents requested on XX/XX/XXXX email XXXX XXXX XXXX followed up with image of certified mail receipt and informing Klarna that XXXX has been trying to delivery XXXX Klarna received registered mail of all requested documents from XX/XX/XXXX XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email XXXX XXXX XXXX followed up with dispute customer service via phone call. Representative said that she saw the dispute, resolved in our favor, and that we should be receiving a letter soon stating such. 
XXXX Klarna sends late payment letter in the mail stating that it will send this fraudulent to collection XXXX XXXX XXXX followed up with dispute customer service via the XX/XX/XXXX email
Product: Consumer Loan

In XXXX 2016 I applied for a deferment on my loan and I was advised to pay {$420.00}, which is XXXX payment plus a {$25.00} deferment fee. I made the payment as advised and called in and a consent to the deferment form was faxed to the XXXX Branch where I was to sign the form and fax it back. I did as I was instructed. Later in the month of XXXX I filed for Bankruptcy so there after statements were delayed and not reflected correctly. After my Bankruptcy was completed I reviewed my statement to make sure all adjustments were properly made and I found that my account reflected past due. I called in and was transferred by numerous representatives until I got XXXX who was trying to correct the issue. He advised me my deferment fee had been applied to late charges instead of the deferment. He also advised me he will reprocess the deferment and take care of any negative credit reporting I may have received and to call my account representative to correct any late fees that may have been applied, I schedule a payment with him for XXXX/XXXX/16. He advised me that I had to sign another form and it will come by email within 48 hours. I received the form and emailed it back to XXXXXXXXXXXX twice. Friday XXXX/XXXX/16 & Saturday XXXX/XXXX/16 I received calls from the collections department. I called back but it was after hours then I called again on XXXX/XXXX/16 and I was advised by collections they could n't help me and transferred me to customer service. I asked to be warm transferred but she just dropped the call anyways. I spoke to a guy in customer service and he advised me I would have to start over and pay another fee. I told him that 's not right I paid my fee and did what I was asked and that I 'm not paying another fee. The guy said well he could not help me and went on to transfer me to my account manager again I was not warm transferred and not provided with a name or extension, I was just dropped on a line that asked me for an extension I did not have. I would like my late fee refunded, interest adjusted and payments reapplied if necessary, credit adjusted if necessary and deferment processed.
Product: Money transfer, virtual currency, or money service

Your tracking number ( MTCN ) is : XXXX Western Union Hi i sent the money international via western union on XX/XX/2018 total amount {$1400.00} receiver did not receive the money and i call western union many time they are not cooperating in this matter.
Product: Credit card or prepaid card

I closed and paid off the balance on a CB Indigo GF credit card back in XXXX. The credit card company keeps harassing me via cell phone and keeps adding interest to a XXXX balance. I got nowhere talking to them. I contacted XXXX.com and disputed the charges. It was resolved and removed. Then a XXXX time CB Indigo GF began charging me interest upon interest on a XXXX balance and XXXX XXXX  score was affected on my Experian.com account once again! I contacted XXXX again and opened another dispute and it was resolved and removed. Today I see CB Indigo GF credit card is back on my XXXX account a THIRD TIME as of this month!! I contacted XXXX via phone and they advised me to contact you. Please get rid of this company who continues to harass me and tries to destroy XXXX XXXX  with these bogus claims of, now, 150 days late of payments!!!
Product: Credit card or prepaid card

Bought XXXX worth of appliances and delivery guy was abusive when he showed up. We declined the order and requested a full refund.. We even had to call the police on the driver. Sears offered us a XXXX delivery rebate for the abuse. We refused. Get credit card statement and they say I owe XXXX plus fees becuase purchase xcame with a gift card of XXXX. I dispute charge and they say they have no way to cancel gift card. I tell them the number is right on the reciept. They continue to say we must argue with sears and not citibank. This is a # metoomoment. I am being forced to spend a gift card at the very place that was abusive to me. It is like asking a women to go back and live with the husband that XXXX and XXXX her. It is ludacrous to say that a gift card is non refundable. I never purchased the card it was free when the transaction was canceled so was the gift card i thought but they want me to go spend money that I do not want to spend there. I explained thier logic is just crazy but they kept saying call the abuser sears to work it out. No I disputed the charge and they never asked for documentation or proof because they just kept saying you must spend the gift card. Of course they want late fees from the non payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
Experian Negative Accounts : 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 # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX Negative Accounts 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 # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX Negative Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

We contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX on XX/XX/XXXX to update our kitchen. We financed the {$3000.00} with XXXX with 12 months same as cash. After several months, and numerous phone calls from us, nothing had been started. We call and visit XXXX often and continue to get different stories every day. They do not return calls. We got the floor installed and then again nothing. We started a dispute with XXXX XXXX XXXX in XX/XX/XXXX. We sent a letter explaining our dispute with XXXX and the project that was not received. We provided pictures of our unfinished kitchen. XXXX sent a two sentence letter stating that they thought the customer was " happy '' with the project. XXXX XXXX XXXX. sided with XXXX. From that XX/XX/XXXX letter until today we are receiving collecting calls from XXXX. We have called XXXX several times trying to escalate the dispute higher. I was told that XXXX had already paid XXXX the total amount and now it is our responsibility to pay The dispute should be between us and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I don't know the exact dates. I check that was on a closed account was deposited by accident and because it was from a bitcoin trader i haven't been able to link my accounts