23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, my Bank Of America issued XXXX credit card was fraudulently used for 4 unauthorized purchases. I got text alerts for 'unusual activity ', and I immediately got it blocked to prevent further damage. All this while the physical card was at home in my purse in the closet! I have never visited those store locations and I have my entire credit report to prove that. 

Since then, their fraud detection team is driving me bonkers - first crediting my account for all charges, then going back and claiming that 2 out of 4 transactions are actually non-fraudulent. A person in the claims department said that the 2 transactions they think are not fraudulent is because the actual chip on the card was used for those transactions. Which is absurd because I had the card with me all the time. So either the card was magically cloned down to the chip or their detection/analysis algorithm is flawed. 

I have called 3 times, got transferred between departments and every time they say that the resolved disputes have been reopened and it will take 60 days for processing ( 2 billing cycles! ). 

I have received no email/snail mail notification about reopening my case. The rep at fraud detection department even wrote down against my case to contact me immediately on my mobile. Nothing. He even refused to tell my my case number so I can refer to it later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD is recorded as both hard and soft inquiries on XX/XX/2018 ; yet sometime that month and year XXXX ( XXXX ) called me and asked if I applied for an XXXX XXXX on that date. I told them no I didn't and left it at that because I wasn't sure if it was in fact XXXX XXXX since I get quite a few scam calls. I said nothing more and hung up.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/21 I was notified by XXXX XXXX that a new charge appeared on my credit report. a charge of {$1000.00} was made. I contacted CITI Bank regarding the charge and I was told a balance transfer check was used for {$1000.00} plus a {$50.00} transaction fee. The account was closed a new card was issued and the case was turned over to the fraud department. As of XX/XX/21 I have never been contacted by CITI band regarding this issue. I have made several phone calls to CITI bank and requested to speak to someone in the fraud department regarding this matter. I was told that the fraud department did not have a direct extension to be transferred to. In the mean time i have been getting repeated phone calls/text messages/emails trying to collect the debt. I contacted CITI again and was told they are in the process of doing their investigation. On XXXX I contacted CITI again and got the same run around I requested that i be transferred to a supervisor in the fraud department. I was told that a fraud declaration form was mailed to my home on XX/XX/21 & XX/XX/21 none of which I received. I requested that the form be emailed to me so I could complete the form and return it Immediately I have yet to receive the form. When i got hole on XX/XX/21 there was a letter from Citi in my mail box stating the investigation was complete and that I failed to cooperate by not completing the fraud declaration form the letter also stated the findings will be report to the CRA. My concern is that CITI goes to extreme measure to contact me regarding a past due amount by any means possible why couldnt the same thing be done regarding the fraud issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, Experian and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the domestic XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.
Product: Checking or savings account

Broke all laws regarding confidentiality agreement, One employee names XXXX XXXX.who lives in XXXX Texas, who is the cousin to Mrs. XXXX XXXX has started to monitoring and evaluation my mother 's account. Under State and Federal law this bank has failed to address our concerns. This one employee removed our power of ( POA ), ( XXXX, Texas ). Also have allowed other family members assets to my mother personal account with our my permission. I take care of my mother and I am very upset how this bank has handle her account. 
- monitoring, we need two forms of ID, Texas ID that help to open the account at the XXXX location was no good XX/XX/2019 -- -- -- - Who is monitoring the account XXXX XXXX refused to open the account then later changed his mine. 
We were told by one bank manager that if a person have the Social Security information of the party then the Bank will let anyone have XXXX to the account. 
We were told this at the Chase branch on XXXX XXXX in XXXX, Texas. 
We will be forced to close the account again due to the fact banking information is given daily on the account ending XXXX this is a new account but we have no power to control who gets infomation on this account. Any family member can get information if they have the social security number due to the fact all information is given out by one empoyee who has worked for the bank for years
Product: Vehicle loan or lease

credit acceptance fanancial institute corps came after me to sue me on a repossesion of a vehicle a XXXX XXXX  XXXX from XXXX just now til XXXX way pass tennessee statutory of limitations 3-5 years its been 12yrs.without notifying me with a dunning letter they repoed the vehicle a violation to usc laws and consumer rights, sent my personal info.to a third party and collection agency and didnt provide proof to collect debt who was turned over to someone else and reported on my credit report.a violation of 18 usc-6802 disclosure of infomation consumer rights violations 15 usc 1602-thruth of lending act 15 usc 1601-fair reporting credit act 15 usc1681-i.d.theft 15 usc 6802-disclosure of information 15 usc 1692 debt collectors 18 false-statements of entries 18 usc -894 extortion 18 usc 287-false fictiticious fraud claims 42 usc 408- s.s. fraud 18 usc 241-conspiracy against rights 18 usc 242-deprivation of right 18 usc 3571-treason to due process of rights
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Car sold XX/XX/2019, final balance obtained and paid off. Missed payment put on credit report after car was sold XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was prompted by this company to open a loan to increase my credit score. {$50.00} a month payment for 12 months. After about 6 months of making payments they offered me a secured Visa card on line using my deposited funds and charging me {$25.00} which was never disclosed. The card was opened in XXXX of XXXX. The account was only online. I never received monthly billing. In XXXX of XXXX I received one 30 day late from this company. I went back and reviewed all the online activity and noticed that I had consequently made monthly payments in XXXX, XXXX and XXXX. When I called the company to go over this they said since you were one day late on the payment in XXXX and XXXX ( possibly due to the time zone me being in PST ). That the 30 day rule according to there card stands. I tried explaining to the agent that technically for me to get a 30 day on the account the payment would need to be missed 31 days from the due date. They chuckled and said no that's not how this card works. I tried several times to get action from this company and ended up paying off the account and never received my deposit back for the secured card of the credit builder account. They assured me I would be receiving funds of {$550.00} but have not yet. I request the 30 day late be removed from my account and my deposit be refunded immediately. 

Sjncerely, XXXX XXXX
Product: Checking or savings account

I switched to XXXX and received a {$2400.00} rebate through a paper check as part of XXXX  rebate program. The rebate check was issued by XXXX XXXX XXXX XXXX XXXX, a partner of XXXX based in Texas. I deposited this check via the Chase Mobile App, and the check was cashed by Chase on XX/XX/year>. However, Chase has not released the funds to me. 

On XX/XX/year>, Chase suspended my checking account, citing issues with verifying the check makers phone number. Despite providing two different phone numbers associated with XXXX XXXX XXXX for their Customer Service Center and another for their internal officeChase claimed that these numbers do not match their internal records. They informed me that they will close my account and continue to hold my {$2400.00} check until I personally provide a phone number that matches what they have on their system.

Problems Encountered : 1. Account Suspension and Fund Withholding : Chase suspended my account and is withholding {$2400.00} that I deposited via their mobile app without valid justification. The funds have already been cashed by Chase, but they refuse to release them. 
2. Unreasonable Verification Requirements : Chase is demanding that I provide a phone number they can verify, but the two numbers I provided ( XXXX XXXX XXXX Customer Service and internal office numbers ) were rejected because they supposedly do not match Chases internal records. 
3. Account Closure Threat : Chase has stated they will close my account unless I provide a phone number they can verify. This leaves me unable to access my funds or my account, and I am being forced to chase information that I have no access to. 
4. Lack of Assistance and Communication : Chase has not provided any clear guidance on how to resolve this issue or any specific information about what verification they need, leaving me at a standstill with my funds locked and my account at risk of closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my credit score by XXXX points with no explanation, tell them to fix it or it will be upcoming legal action
Product: Debt collection

The nature of this communication concerns dunning letters delivered by third party are debt purchasers, or debt buyer for consumer any instrumentality in consumer transactions described in all various types commercial paper as a instrumentality for personal family and household purposes, of consumer debt without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this letter states verified claims for damages that shall be reported as actual injury personal for claims to your Office Of Risk Management. this is to inform you that I recently received a certified record of my credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX inquiry is unauthorized on my credit report and ask it for it to be removed ASAP XX/XX/scrub> 2025 the inquiry was put on my credit report trans union isnt we re-investigating disputes. They are doing some investigations. Theyre not doing any investigations. Theyre sending letters back saying they dont think its me and theyre not gon na move forward with the investigation. Im setting a copy to show proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX
Product: Credit reporting

There are several accounts reported on my credit from XXXX that are not my accounts. I was a victim of Identity theft in 2013. XXXX will not remove the items from my reports.
Product: Credit reporting or other personal consumer reports

I did not consent to nor benefit from the following inquiries on my consumer report : XXXX XX/XX/2022, XXXX XX/XX/2022, and XXXX XXXX XXXX This is not a duplicate complaint. Do not close this complaint without a proper investigation.
Product: Debt collection

My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.
Product: Consumer Loan

On XXXX/XXXX/14 my son bought a car financed thru chase bank.On or about XXXX/XXXX/14 I got a credit karma alert that I had a XXXX loan put on credit report.I told my son I would co-sign for a loan, if he needed me to.My so bought the car and signed my name as a co-signer.I never knew this, until I got the credit karma report.He told chase auto loan he signed my name and sent them a e-mail thru there secure chase site that he signed my name.They kept me on that loan knowing full well I never signed for that loan.Finally my husband who is now 3rd party rep on this and has full power to act on my son and my behalf to handle this matter.I never saw a loan document or signed a loan document, yet chase kept me on that loan.I finally got copy of that loan and on the back of loan it says : Important before signing you should read this agreement carefully.This written agreement is the ONLY enforceable document and no other terms or verbal promises can be enforced.You acknowledge that you have received a completed copy of this agreement and have READ it.I never got a copy to read-never got a copy to see till after the fact. Chase bank caused my credit score to drop and is still not where it was before this all happened.They new I never saw a contract and chase knew my son signed my name to it.Even after all this they still are making my son pay on this loan which is void according to there own contract.My son is a XXXX vet XXXX and has issues which he told chase bank.This is how they treat veterans and there families.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681.

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My Loan with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. I just received my three consumer reports in XX/XX/XXXX and Santander Consumer USA has reported late payments to XXXX, XXXX and XXXX for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The account with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. And they reported the three late payments in XX/XX/XXXX. I contacted Santander Consumer USA and the representative told me that this is a billing error and that they would have it corrected and resolved to reflect on time payments for those XXXX months. This is now XX/XX/XXXX and they still have not updated my consumer reports. This has hugely impacted my credit rating. I have lost XXXX points because of this billing error. This has been very stressful for me to deal with these past XXXX months and Santander Consumer USA still has not corrected the billing errors.