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

On XXXX the XXXX of 2020 I notice a XXXX transaction and immediately called BB & T while I was on the phone 3 more transaction pops up on my : DEBIT, CREDIT and CREDIT LINE. Luckily the report was made and the bank suspend the account and recommend me to approach to the branch because all my information was compromised so then i can changed all my account with them. 

Unfortunately 2 days after all this happened another FRAUDULENT/ UNAUTHORIZED transaction was made with the same name and amount that was on SATURDAY XXXX the XXXX of 2020 ( XXXX ). I went straight to the branch that is located on : XXXX XXXX XXXX XXXX TX XXXX when I arrived there I spoke to the branch banker IV telling me that due covid19 situation I have to make an appoint until Monday so basically they could still take more money from my account because nobody cancel it that day ( they suppose to do it online, on the phone since the XXXX ). 
On Monday XXXX I went to my appointment at XXXX XXXX  : 1. My bank account where the fraud was made at this point stills open because is under " investigation '' so this person took another {$1000.00} dollars from the account by XXXX. 
2. The branch open 3 new accounts to replace my old ones and they gave me a physical paper regarding the claim. 

On XX/XX/XXXX of 2020 ( XXXX ) the bank send me a letter which i actually received on the mail on XXXX THE XXXX OF 2020 notifying me : The investigation was concluded regarding the electronic fund transfer claim date XXXX in the amount of {$1000.00} dollars they do not find that an error occurred, therefore, no funds will be deposited to your account as a result of your claim. 

Today XXXX I called the bank because I still not have the refund of the money that they took fraudulent from it, the lady that answered me the phone told me that I authorized the transaction or maybe I did it by mistake because of the IP address was right and there's nothing the bank cant do about it. 

The last money transfer from XXXX of my account with my consent was on XXXX and I received an e-mail confirming that I send that amount thing that didn't happen with the 3 different transactions that this person did to me.

This investigation must be RE-OPEN again I demand it!. As the Bank that you are, you must to answer to me for the fraud caused to my account and the delinquency expenses that you also incur. 

You must prove the evidence that supports the claims decision base on facts not on " maybe you did a mistake '' that's what the lady on the phone told me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Product: Credit reporting or other personal consumer reports

I do not recognize or have any connection with the listed creditors.
Product: Mortgage

I was working on a modification with wells fargo and they overcharged me in fees
Product: Credit reporting or other personal consumer reports

Inaccurate reporting on background. Under Virginia Code 46.2-862 It is reckless driving to drive at a speed 20 mph or more over the posted speed limit. My ticket was a XX/XX/scrub>85/70 which is not considered a misdemeanor or reckless driving. Please remove this inaccurate listing from my background immediately.
Product: Checking or savings account

Bank of America has put a - {$880000.00} pending hold on my checking account as some sort of fraud review hold or something ( making my account super negative ). I don't use this bank account much and only receive couple friends money last week. I do not know why BoA put this amount of hold to my account. I can not use my checking account now, I still have about {$5000.00} in it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX XXXX ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.
Product: Student loan

I was enrolled as a XXXX at XXXX XXXXXXXX XXXX XXXX XXXX beginning in Fall of XXXX through Fall XXXX when I officially withdrew with a leave of absence. When I withdrew I did so within the window that allowed my student loans to be return to lender. ( {$2500.00} XXXX Stafford Unsub & XXXX XXXX Stafford Sub ) For whatever reason this info was not adjusted correctly and it was shown that these 2 loans were dispersed. But they had been cancelled and returned. 
After many years of the incorrect information being provided to me without the ability to view accurate information. I began payment of the loans, based upon the false belief that once loan was satisfied, I would be able to have access to the details of the loan. 
Basically loans were cancelled, but I was unable to verify that until recently. 
I reached out to the loan servicer, which is Navient and was met first with a representative that was as shocked and confused as I was regarding the inaccuracy status history of my loans. I was told a case would be opened to look into the loans and a promissory note would be obtained to establish an idea of what had happened. I was told resolution would be within a two week time frame. 
When I received no update I reached out to Navient again for clarification of the validity of the actual loans, I was met with a hostile representative that talked in circles and offered no assistance. 
When I look on the studentaid.gov The loans I have been paying on for the past 25 years states that the loans were disbursed but returned and cancelled. 
I have been accruing interest as well as late fees on these loans that are not even valid. I also have been paying them for the past several years and I am so annoyed that I can not get clarification or help regarding this. Attached are statements that show the loans were cancelled. The only valid loan was FFELP Stafford Sub Loan XXXX. 
I really need help figuring this all out. Navient will not help me with this and refuses to acknowledge that the loans were cancelled and have not require any payment. 
If any additional information is required, please let me know and I will forward whatever info is required.
Product: Mortgage

Due to financial setbacks in XX/XX/XXXX, we finally had to file for Bankruptcy in XX/XX/XXXX. We struggled to make all our payments and comply with the trustee guidelines. Throughout the process, US bank tried- on numerous occasions- to file a motion for relief of stay with the bankruptcy court but each time our attorneys fought for us. They even claimed that we did not make all of our payments through the bankruptcy and the attorneys had to go to court & produce records in conjunction with our records that we did. Finally, after XXXX painful years fighting US bank and paying off creditors, our Ch. XXXX was discharged in XXXX of XXXX. Sadly, the harassment by US bank continues. They failed to update their records and clear of a motion to foreclose on our property in XXXX. As a result, on XXXX XXXX, XXXX we received a letter dated XXXX XXXX, from XXXX XXXX XXXX that our mortgage has been referred to their firm for Foreclosure. This was a complete shock and re-opened wounds that we thought were healed! I spent much time on the phone trying to get this new matter cleared up and answers as to why this happened. They said they would take care of the matter. I ca n't put into words how discouraged and tired we are of the harassment by this bank. They have tried repeatedly over the years to seize our property. We are current on our loan! We did receive a loan modification during the Ch. XXXX but only after years of filling out applications and being denied repeatedly. We had to complain to this agency on that matter too. We have much equity in our house but because of the bankruptcy and a damaged credit history, we ca n't pull from it to get needed home repairs. US bank knows this. US bank is one of many banks that use their power to intimidate hard working homeowners and should be held accountable for their actions. We feel they have a vendetta against us and we should no longer suffer this emotional and financial torment.
Product: Credit card

I was charged a {$29.00} late fee on my American Express credit card. I called them several times asking for a reimbursement as the payment due date falls at an odd part of the month. Two representatives told me two weeks ago that the fee would be removed. The second person I spoke to it was escalated to a supervisor and she assured me the fee would be removed. Upon speaking to someone today they said the fee would not be removed. 

American Express charges, exorbitant fees, and there is a disconnect with the customer service. In addition to the high interest rates they also always make sure to allow you to go over your credit limit, and then they report your card to the credit bureau immediately saying that youve gone over for your limit, and that negatively impacts your score with a lower credit score.

Two times I was told something they are now denying.
Product: Mortgage

Bank of America has manipulated or misunderstands the original loan amount and origination date of my current home loan. My original loan amount was {$190000.00}, not XXXX. It, the loan was originated XX/XX/XXXX, Not XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX ... XXXX  XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the XXXX bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I received a mail saying I owed money to paypal but I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit report Sub-issue : Information belongs to someone else date opened : XX/XX/2021 total amount : {$210.00} cahrgeoff date/collectionsXXXX
Product: Checking or savings account

I reported my wallet lost and stolen to chase bank in XX/XX/year>. When the new card was sent in the mail it was never activated. Chase locked me out of my account and had me call the XXXX number to unlock it. My password kept changing. I kept calling an notifying them. Numerous charges & checks were made using my account and I called numerous times throughout XXXX and XXXX to file claims and fraud charges on the account. Checks were written even though I dont own checks and chase did nothing for months about my account being compromised. I went into local branch several times and nothing was fixed. In XXXX chase closed BOTH of my accounts, wouldnt give me my money back and I lost out on XXXX  of dollars in charges that I did not make.
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing the inaccuracy multiply times the company and the bureau claimed to say the account is verified and reporting accurately. when Cleary the credit report is still reporting late payments on a charge off account which is a violation. a charge off is a closed account and no new information should be reporting especially with the account be sold also. 
XXXXXXXX. XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

To whom it may concern, I have paid off a few Omni Financial loans during my time in the military. I see there is an lawsuit against Omni Financial. I'm inquiring about the overpaid interest that customers were recieving refund checks from the overpayment for interest on the loan by the company. 

I have moved a few times since my first loan years ago and injuring if this applies to me as well. If so, please see my contact information below. 

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

XXXX XXXX XXXX is my 2nd mortgage holder, they have and continue to report me as 30 days late per my credit report. I was involved in a chapter XXXX bankruptcy since XX/XX/XXXX and have made my payments to the trustee every month religiously and they reported me 30 days late since XX/XX/XXXX with the most recent as of XX/XX/XXXX. I have been making my payments to them on time since XX/XX/XXXX and they agree that I have been current, they can not fix the late reports they say. I say they can and their errors are causing me to be denied for a fha refinance that will save me {$400.00} a month. I think XXXX XXXX XXXX just wants to keep me with their horrible loan product that I did NOT UNDERSTAND was a monthly interest rate change and feel that I have been taken advantage of. I knew it was a interest only and adjusted every year not monthly. The note does not show a monthly or annual adjustment either. I feel that I am stuck with them and they are horrible to deal with. I have to ask them every month for my payment amount as they haven't sent a statement to me unless I request them. 

Please look into this for me ASAP as i am distraught with dealing with them and my bankruptcy attorney has said I should dispute this with you and the credit bureaus but I dont know how to do that either. 

Thank you XXXX XXXX
Product: Credit card

On the morning of XX/XX/year>, I received XXXX suspicious emails stating that my credit card had been changed digitally and was now active on XXXX. I have never authorized or used XXXX, which was an immediate red flag. 

I immediately attempted to contact Bank of America twice via app and phone number provided, but I was unable to reach anyone. Later that night, i received a suspicious activity text stating my card was denied at XXXX for {$310.00}, asking did I approve this charge. I denied the transaction immediately, yet other charges before this one still went through. 

Upon noticing the fraudulent transactions totaling {$550.00}, I immediately Filed a formal fraud dispute with Bank of America. A charge reversal was activated and the card was deactivated with a new one in the process of being sent to me. 
Despite these efforts, Bank of America denied my fraud claim. I requested a re-evaluation, providing additional proof. I : 1. went in person to a Bank of America branch and spoke with a bank representative and fraud representative ( via phone ) 2. Submitted evidence via fax, including my normal transaction history and details of the suspicious emails, charges, all showing that the transactions dont match my spending habits from the last year.

Bank of America denied my claim again without sufficient justification.

Bank of America advertises a {$0.00} Liability Fraud Protection policy, meaning I should not be responsible for unauthorized transactions if reported promptly. However, they : 1. Failed to prevent fraud, even after I tried reporting suspicious activity before the charges occurred.

2. Failed to properly investigate my claim, despite my supporting evidence.

3. Failed to uphold their own fraud protection policy and the Fair Credit Billing Act ( FCBA ), which protects consumers from unauthorized credit card transactions.

This is a clear failure on their part, and I should not be held liable for charges that resulted from their lack of action. Keep in mind, I have been with Bank of America for 15 years and this is the first fraud claim I made on any of my accounts and this is how its being handled.
Product: Debt collection

i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of an account showing up on my credit report " THE BUREAUS ( Original Creditor : XXXX FIRST  NATIONAL BANK OF OMAHA ) " ...... all XXXX  times that ive challenged it has come back verified as accurate ... how is this possible? how are they verifying this? they are not conducting proper investigations is the answer... i have attached a copy of the report with all of the inconsistencies circled ... ..this account has been re aged..this is a major violation
Product: Credit reporting, credit repair services, or other personal consumer reports

The LATE PAYMENTS reporting by this company is inaccurate and lack any certificated proof by physical evidence to include, account audits, balances, dates, and any other data formatted reporting standards. Under the FCRA and FDCPA and my state laws these inaccurate LATE PAYMENTS reporting have not been lawfully validated with verifiable physical proof therefore are not in compliance with federal laws. I demand any and all LATE PAYMENTS reporting on the following accounts be immediately updated to PAYS/PAID AS AGREED, NEVER LATE! Account # : XXXX and Account # XXXX
Product: Credit card or prepaid card

I have had this account with XXXX XXXX XXXX XXXX card since on or about XX/XX/XXXX. ( I had the card before this date but XXXX XXXX bought out XXXX ) I have never been late, never carried a balance, never had any problem until XX/XX/XXXX when I tried to access may account on line like I always have about once a week to make sure no one is trying to use may account. When I tried to log in to my account on, or about XX/XX/XXXX I received a message that I  could n't check my account on line until I gave them some some personal information, like my social security number ( which they already have ) bank account number, and other personal information that I do n't consider any of their business. ( I will attach some of their requests if possible ) I have not requested an increase in my credit line, or any other requests.I would have discontinued the account but I was afraid it might hurt my credit score, my line of credit on that account is about {$9000.00}, I have a score of XXXX on my last report, this month of XX/XX/XXXX. I  feel they are trying to force me to submit information I do n't want to give.
Product: Checking or savings account

Pnc bank doesn't let my 3rd party apps like XXXX which I've been using for years acess my bank information which is really upsetting
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. 

Account name : # XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX XXXX, Account name : # 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 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.