23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A XXXX quick payment on XX/XX/2020 was made through hacking my JP Morgan Chase checking account. The amount of {$1100.00} was transferred to a recipient s email of whom I do not know and is not listed on my XXXX contacts. I reported the incident immediately to Chase fraud department and made a fraud complaint. 
I than closed my bank account at my Chase branch on XX/XX/2020 as soon as the transaction went through. Took my computer to XXXX XXXX XXXX XXXX to scan for the hacks and viruses of which there were a few, and added a program to wipe these unauthorized dealings out and a anti viruses software was installed and activated XXXX on XX/XX/20. 
I changed my email and all passwords on computer and bank accounts for future on line banking, and Chase Quick Pay. I THEN FILED A POLICE REPORT FOR FRAUD AND STOLLEN MONIES, AS WELL. 
On XX/XX/20 Chase updated my claim, and is refusing to take responsibility for XXXX Quick Pay, a service they provide, and will not reimburse me my {$1100.00}. This is a not acceptable as I am a Chase private client and it is my money that was taken from my Chase account and given to whomever without my consent! 
XXXX has no customer service nor person to complain to or answer to this problem. They refer all calls for customer service to your Bank of choice. No one is taking responsibility. Please Help. Thank You.
Product: Checking or savings account

Every month my SSD and VA compensation goes into this bank, and BOA freezes my account without any warning ( no text or email ), they freeze my account or locks me out of it. When I pay my bills ( etc ) mortgage, electricity bill, furniture, or groceries bill BOA freezes my account. What is so frustrating is that now whenever I go shopping, whether it be for food or any other products I need, I'm embarrassed because my debit card was declined, meaning I have to call the bank and wait sometimes over 30 minutes before I can get someone to unlock my account so I can pay for my things, mind you I'm a XXXX veteran, this kind of stress has effected my health. Their excuse ; is suspicious activities going on on the account, There are no suspicious activities, just me trying to pay my bills and buy groceries and services I need to carry me during the course of the month. This has affected my credit score, I have to pay late fees because bills aren't paid on time, and I do have proof of this, It's been going on for nearly a year now. I need someone to do an audit on my account at BOA because things are not adding up as they should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error and I did not authorize these inquiries, delete and remove. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Mail Current Status - Preparing Letter ( XX/XX/XXXX XXXX AM ) Letter Mailed Date and Time - XX/XX/XXXX XXXX XXXX Pass through - Certified Recipient Address - XXXX XXXX XXXX XXXX, GA XXXX XXXX. Under 15 USC 1681 a ( 2 ( A ) ( ) late payments are transactions and transactions are excluded from a consumer report. 
XXXX Account XXXX : XXXX Update to paid as agreed 5. Under 15 U.S. XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX CARD Account Number : XXXX Delete from consumer report 6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX Account Number : XXXX Delete from consumer report 7. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXX IN CO Account Number : XXXX Delete from consumer report 8. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX Account XXXX : XXXX Delete from consumer report 9. Under 15 U.S. Code 1692j - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application XXXX XXXX XXXXXXXX Account Number : XXXX Delete from consumer report
Product: Credit card

On XX/XX/year>, an individual tried to make a payment through my bank account in the amount of {$1400.00}. I received a text message from my bank stating that my account was overdrawn over {$300.00} because this individual tried to make a payment from Capital One. I contacted Capital One and spoked to a representative from the fraud department and stated that I did not make this payment I had already made a payment on this account in the amount of {$110.00}, so why would I make a payment of {$1400.00}, when I can not afford that. My payments are very consistent each month. I was told by the representative to call my bank, so I did. I called my bank and the bank representative stated that because they did not pay for the transaction for me not to worry it would be reversed by the next business day. The amount of {$1400.00} was reversed as the bank representative stated on XX/XX/XXXX. I thought this situation was over with. After my money was returned back to my account, I received an inquiry from my credit report that this individual also applied for a Capital One Platinum Credit Card. I called Capital One and stated that I did not apply for this credit card. Why would I because I already have a Capital One Platinum card. After going back and forth with the representative, he cancelled the application and stated he would take the inquiry off of my credit report. On XX/XX/XXXX, after this individual did not get approved for the credit card. He attempted to try to make another payment and this time he did it from his XXXX in the amount of {$1400.00}. I was told this by the Capital One representative. This purchased changed all of my information to his information. He listed himself as an authorized user and changed my address to XXXX XXXX XXXX, XXXX, CA XXXX, and Capital One sent this individual my Capital One credit card. The representative act as if she was in shocked that this is happening. This individual name is XXXX XXXX. I learned his from some of the that was made on the card and at the time on the pending transaction it had his name, and it was confirmed by Capital One. I did not make these charges or payment of {$1400.00} on my account. This money was unauthorized taken from my checking account. I have never lived at this address, and I do not know this person. I am a victim of identity theft. I have a fraud alert on my credit report, so I do not understand how this keeps happening and no one is prosecuted for this crime.
Product: Credit reporting or other personal consumer reports

There are inquiries that I am not aware of showing on my credit report.. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX need to be removed because under XXXX benefits my payments should not exceed over 6 %.. The creditor is stating that I have been approved for SCRA benefits applying to this account but it doesnt qualify for the 6 %.. Please remove this account from my credit report as this is not lawful..
Product: Credit reporting or other personal consumer reports

I had a total lost! The bank send a check but the bank never put the money and my account its being almost a year looks like they stole the money!!
Product: Credit card or prepaid card

Target is reporting inaccurate information on my credit with all credit bureaus. It is listing outdated information from 2014. Per FCRA and Per Arizona law information that is 6 years or older is to be removed from a consumers credit report. Target is violating my rights.
Product: Credit card or prepaid card

On XX/XX/25 I open a complaint against Bank of America Credit Card XXXX ID XXXX The status of that case says that BoA is lookin into it, however, now they are trying to charge me double the amount of interest they tryed to charge last month. I did not make any purchases since I discovered they were not giving me the 0 % interest they advertised. And yet, the interest charges after my regular payment is now almost double. Last month was XXXX dollars now they are trying to charge me XXXX dollars for interest. 

They know that I am disputing these charges and they are a long time to respond. Now because they are taking a long time Im being charged even more interest. This is a very abusive way to do business. 

I want them to freeze anything related to that credit card until I have a resolution. I will not continue to pay abusive interest charges while they procrastinate to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax XX/XX/2021. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a Business Fundamentals Checking account under the promotion of deposit {$20000.00} in 60 days and complete 10 transactions for {$500.00}. 

I went IN-BRANCH to a teller in XXXX XXXX, NV while on vacation to deposit my remaining {$13000.00} to meet the {$20000.00} requirement. While there, the banker verified that I had the {$20000.00} deposited and the 10+ transactions posted. I then have waited over 4 months for the bonus to post. 

I now finally have time to sit down and escalate this even further, as I have not been able to get this promotional bonus I earned.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Suttell and Hammer filed a lawsuit against me. The claimed to have served me in person on XX/XX/XXXX. This is a complete fabrication of the truth and completely false. They then used this lie to their advantage to get a judgement before I even knew about the lawsuit. When I found out about the lawsuit I had zero time to defend myself and was aggressively forced into a repayment plan that I would not be able to pay and I told them this. They told me to not pay something else and to pay them. I tried and tried to negotiate with them but the representative XXXX hung up on me twice but not before she threatened me with another lawsuit if I didnt pay the exact amount every month. I was bullied into an unreasonable payment plan without being able to negotiate or defend myself. Please help.
Product: Mortgage

For my XX/XX/2021 payment on my Bank of America Mortgage ending in XXXX, the payment was applied on XX/XX/2021, but then on XX/XX/XXXX, the payment was returned and I was charged fees. 

Why did they withdraw money on XX/XX/XXXX and return the payment for a payment that was processed on XX/XX/XXXX? I had the money in the account on XX/XX/XXXX, when the payment was processed, and it was withdrawn from my bank account.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I disputed a charge for XXXX XXXX XXXX XXXX XXXX which XXXX XXXX XXXX charged after I cancelled service and for a month in which I did not have service. Citi summarily denied my dispute request without contacting me for additional information and without providing me XXXX XXXX XXXX response, despite the letter posted to my account stating otherwise. Citi also did not notify me of this denial any way other than merely posting a notice in my online account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


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 furnishes an account without my written instructions.
Product: Vehicle loan or lease

Account Number XXXX Name CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance incorrect this was closed see attached {$17000.00} Last Payment Amount {$0.00} Original Amount {$28000.00} Original Charge-off {$22000.00} Past Due {$17000.00} XXXX no past due im no longer responsible and the age of the closed account is way past its age in my credit report I was removed fraudulently by XXXX XXXX XXXX in XXXX my signature was forged and she did not have my consent and I was never provided with the signed executed copy of the removal, charge off of the account. She is the sole singer and responsible signee for this account since XXXX and I have no access to the account because she refuses to provide the documents needed to show that I am not responsible or listed since XXXX the late payments and payment reporting should also not be reflecting on my report as well please guide and help me with this process as I am being held liable and paying for someone else transgressions and fraudulent actions. I have never had XXXX late payment on any other account and Chrysler capital refuses to review the account because Im not an authorized person on this loan. Please help me get this fixed
Product: Debt collection

Recieved a call from XXXX. The man stated he was from dynamic recovery solutions and was collecting a medical debt from XX/XX/2011. He wanted an updated physical address and payment. He stated that there was a new law that he could attach my taxes and this would negatively affect my credit. He stated he would give me a 50 % discount which equaled around {$650.00}. He gave me a number to call back and stated I had until Tuesday and he would hunt me down if I didnt. He stated his name was XXXX XXXX and callback number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my account. Account claims I had XXXX late payments on a WELLS FARGO BANK AUTO XXXX XXXX, XXXX, and XXXX of XXXX. And XX/XX/XXXX.
Product: Credit reporting

I filed Bankruptcy ( Chapter XXXX ) and debt from XXXX the following creditors was discharged/closed on XXXX XXXX, XXXX in XXXX NC Case # XXXX. XXXX Bank XXXX XXXX XXXX XXXX Ga XXXX ( {$3500.00} and continues to acrue on credit report to a total over {$5000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( {$1400.00} ). I have disputed the same debt with Equifax , XXXX four times since XXXX. They remove it for a couple of months then they re-report it. I have submitted copies of the original Bankruptcy documentation by certified mail in XXXX. Yet recently, I had to go back into their systems and file another dispute. Once it has been disputed once, it should be illegal to add it back to any of my credit reports as all credit reporting agencies have copies of the original documentation. I also sent documents to XXXX and XXXX Bank via certified mail in XXXX also.
Product: Credit card

Have had citi bank Costco co branded card for several years, always paying off the full balance. I get a pop-up in the payment app saying that since I had been a good customer I was getting a special rate of 3.99 % till XX/XX/2024. I think sure why not. The thing they didn't make clear is that the " special rate '' has no traditional grace period, the interest starts the moment things are purchased and you are charged even if paying the card statement balance each month, so for a customer like me who pays off their card each month it means for the first time I am paying interest on this card because of the change in calculating the charge. 
I strongly suspect that CITI is only offering this " special offer '' to similar pay the balance of each month customers and if so it's pretty shady as it results in interest payments when they wouldn't be needed otherwise. I called CITI and they said they could /would not remove the promotion from my account and I would have to just have it till XX/XX/2024.
Product: Student loan

Navient, the servicer of student loans has now been sued by 5 states. Those include California, Illinois, Mississippi, Pennsylvania, and Washington. Navient is not only accused, but is scamming student loan borrowers, and I want to report the scam they're attempting with me. For the past couple of months, I have been paying at least 80 % more than is due. They now show after I refinanced, I owe {$0.00} for an Unsusidized Stafford Loan. They deliberately are attempting to deceive me into not paying so they can accrue interest on a daily basis for the next couple of decades. On the Navient website, there is an option to " Contact '' by email. When that option is selected, a new website opens and I required to login into my account. I have to repeat the same process, because they know full well, being under investigation for white collar crimes, they prohibit me from contacting them by way of email. They have no idea that I actually maintain full documentation on my payments and what is applied to principal versus interest. I have also provide full evidence to my Attorney General, XXXX XXXX, so he has additional leverage to press forward on ensuring that Navient is better regulated. I have pay far more than Navient requires, and wants, because I don't trust Navient and their lack of ethics and honesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.