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

On XX/XX/XXXX, I received a text message from Bank of America alerting me of a suspicious fraud transaction from the store XXXX. I called the Bank and there I discovered that there was actually 15 fraudulent transactions made to the store XXXX  starting from XX/XX/XXXX until XX/XX/XXXX. I also discovered that XXXX XXXX XXXX  XXXX  transactions were being made once a month. I told Bank of America that those XXXX transactions are fraudulent, I never purchase or gave authorization nor participate in those transactions. The details of these 15 fraudulent transactions are as follow : 1. ) XX/XX/XXXX Transaction Amount- {$190.00} 2. ) XX/XX/XXXX Transaction Amount- {$190.00} 3. ) XX/XX/XXXX Transaction AmountXXXX {$44.00} 4. ) XX/XX/XXXX Transaction Amount- {$58.00} 5. ) XX/XX/XXXX Transaction Amount- {$30.00} 6. ) XX/XX/XXXX Transaction Amount- {$52.00} 7. ) XX/XX/XXXX Transaction Amount- {$200.00} 8. ) XX/XX/XXXX Transaction Amount- {$190.00} XXXX. ) XX/XX/XXXX Transaction Amount- {$110.00} 10. ) XX/XX/XXXX Transaction Amount- {$81.00} 11. ) XX/XX/XXXX Transaction Amount- {$150.00} 12. ) XX/XX/XXXX Transaction Amount- {$190.00} 13. ) XX/XX/XXXX Transaction Amount- {$68.00} 14. ) XX/XX/XXXX Transaction Amount- {$100.00} 15. ) XX/XX/XXXX Transaction Amount- {$60.00} Now about the XXXX XXXX XXXX XXXX, the gym had no right to be charging me once a month since I canceled my membership last year in XXXX. I was shocked and on that day, XX/XX/XXXX, I canceled my Bank Of America debit card. I filed a fraud claim soon after. On XXXX XXXX, I received a letter from Bank of America stating that they've completed their research and closed this claim. I was upset and I couldn't believe it. I called the Bank telling them that indeed this was a fraudulent claim and that I did not make those purchases and that this fraud claim needed to be open. The bank said they would re-evaluate and told me to just wait, that it could take months for me to get a response. I went to the police station and I filed an Identity Theft report. I then went to the XXXX XXXX XXXX  XXXX in XXXX XXXX and showed the manager my cancellation receipt and in XX/XX/XXXX, the gym deposited all the amount that they have charged me for a year. The amount was {$510.00} I let the bank know that the gym gave me the money back to my account and that the XXXX  transactions fraud claim was still pending. I waited and waited and now I am still waiting. I have talked on the phone with many Bank Of America representatives, supervisors and I have been sent me letters and they all tell me the same thing that the claim is closed period. The claim department did not do their job and investigation accordingly. I feel frustrated about how this situation has been handled and I feel this is unfair since I feel I am being ignored and accused of being a liar.
Product: Mortgage

I am owed a refund on Escrow from loancare, I still havent recieved my check and the email doesnt go through to them. When i talk to a customer service rep I am told it will be escalated. this has been going on since XXXX.
Product: Credit reporting or other personal consumer reports

I am one of the poor soles that wasn't saved by Joe Biden 's handouts and have paid my student loans XXXX, XXXX, XXXX, XXXX, & XXXX off totaling around XXXX dollars. 

XXXX has not reported the correct information to the credit reporting agency and when I dispute the info they do nothing. They have reported that I am making small payments on these loans when they have been paid off since XXXX. 

As a straight white male who does not receive these free gifts from Joe Biden, I am reliant on my credit score and need it to be accurate for my livelihood.

Again, I didn't vote for Joe Biden. I just want my loans reported accurately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 RE Acct # : None Provided This Letter is regarding the account unknown account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligations. 
Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that represent you, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if can not validate the debt, you must request that all credit agencies delete the entry.

Pending the outcome of my Investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 DAYS of receipt of this certified letter will result in a small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} dollars in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claim.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card or prepaid card

The card XXXX XXXX XXXX  card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. 
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from them.
Product: Debt collection

I have continued to get calls even after repeated attempts to show this debt is not mine and that I have never lived at the address they are saying I owe an electric bill for, I have provided police reports and copies of my id, when I request validation they have nothing with my signature or id, anyone could have done this account as the company allows start of service online with no verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have the right to privacy. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions and if an account is deemed from identity theft then it must be removed within 4 business days. I have a police report of identity theft enclosed to support this matter. I have enclosed FTC report, original police report and identification.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a complaint against Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX regarding a transaction issue I have been experiencing. 

In XXXX, I opened both a checking and savings account with XXXX XXXX. I initiated two transfers of {$500.00} each, one from my XXXX account to the new XXXX XXXX checking account and the other from my Apple Saving account ( managed by Goldman Sachs Bank USA, XXXX XXXX XXXX Branch ) to the XXXXXXXX XXXX saving account. Not long after, XXXXXXXX XXXX terminated both of my new accounts. While I received a refund notification for the checking account, and indeed the {$500.00} was returned to my XXXX account, the same can not be said for the {$500.00} from my savings account. 

I promptly visited a local branch of XXXX XXXX to inquire about the missing funds. The bank personnel informed me that the money had been withdrawn from XXXX XXXX  and should now be in Goldman Sachs Bank. Acting on this advice, I contacted Goldman Sachs, where I was told to wait several more days for the funds to reflect in my Apple Saving account. However, after waiting for over 14 business days, the funds have yet to appear in my account. 

This situation has caused me considerable stress and inconvenience, and I have undertaken due diligence in liaising with both banks to no avail. As a consumer, I trust financial institutions to manage transactions efficiently and transparently. In this instance, there appears to be a discrepancy that neither institution is willing or able to rectify. 

I kindly request the CFPB 's intervention in mediating this matter to ensure a fair and timely resolution. Attached, please find relevant documentation, including transaction records, email communications, and notes from my interactions with both banks. 

Thank you for your attention to this matter. I look forward to a positive resolution and appreciate the CFPB 's assistance in this regard. 

Sincerely
Product: Credit card or prepaid card

I received a Visa gift card in the amount of {$50.00} with an expiration date of XX/XX/XXXX from my son about 2 years ago. I did not use it right away and forgot about it as it was in another purse. When I found the gift card the other day, XX/XX/XXXX, I decided I should activate it and use it. Upon activation I was surprised to see it had a {$0.00} balance. Upon further investigation I saw that the company that issued the XXXXift card, GiftCards.com, had charged a dormancy fee to the account in the amount of {$4.00} a month until the entire {$50.00} balance had been depleted. I phoned the company at XXXX, and explained what happened and requested they reverse the fees. I spoke with a gentleman named XXXX who stated he opened a case # XXXX and took my email information and said I would get a response in XXXX days. 
I received an email response from Giftcards.com/Omnicard.com today, XXXX, with " their sincerest apologies since they were unable to reverse the fees. The fees were deducted because there are costs associated with maintaining the account, largely driven by requirements legal and reporting of the issuing bank. By Terms and Conditions, we can not reverse the fees. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Advantage Credit Inc lock our account. We had to re pull our clients reports which could have resulted in a client score changing. This action also could have resulted in the client not receiving a home loan they had qualified for with the report we had pulled from Advantage Credit Inc. Under no circumstance should we have been locked out and unable to use the reports. I reviewed the XXXX XXXX XXXX standing and  found 12 complaints in the last 12 months. We also reviewed the XXXX reviews and found the same issues where they failed to due diligence to update or give access to lenders or brokers accounts. I am very concerned that this company will hurt a consumer 's ability to obtain a loan in the future.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continue to use my consumer report inappropriately. The collection listed on my consumer report as XXXX XXXX XXXX has not been validated or verified as belonging to me. No evidence has been presented to me for me to examine. What documents were provided to them or who did they speak with ti come to this determination that this account belongs on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a victim of XXXX XXXX XXXX, Im requesting for Blocking of Adverse Information as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a survivor of XXXX 

Attachments have been update and they are now available to download
Product: Mortgage

Due to a " glitch '' in EarnUp 's system they did not make the payment on time to my mortgage company and caused me to have a late payment. I've never been late on a payment in the almost 6yrs that I've had my mortgage. I called and they " fixed '' the problem and said that they " hoped '' to have my payment made the same day. I also filed a complaint with the supervisor who told me that he couldn't connect me with a manager as he didn't know their number and that I would have to file a request for a manager to call me in 3-5 business days. It has been 9 business days and I still have not received a call. I called again and I was told that I would need to file another request and that they " should '' contact me in 72. I've called every day for the last 4 days to file a request. I was finally able today to speak to someone at their corporate headquarters who did give me the names of the managers, XXXX or XXXX but stated that it wasn't guaranteed that they would contact me. The contact policy regarding complaints seems to change every time I call in.
Product: Credit card

on XX/XX/XXXX I called discover company helpline number to request some letters that were sent to me in past years. After talking to discover employee for more then 45min, they rejected my request. I need all the " Credit line increase denial letter '' that have been sent to me from XXXX till XXXX. I want them for legal purposes. I need all those letters from those years everytime discover rejected my credit line increase request.
Product: Debt collection

Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXXXXXX XXXX during COVID-19. Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our account status and not our responsibility from XXXXXXXX XXXX  during COVID-19.
Product: Vehicle loan or lease

My Capital one Auto loan is not showing on my credit report. I requested that all 3 bureaus update the info and included a copy of my Capital One auto loan statement. I would like for this item to show so that i can get credit for on time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

While recently Checking my credit file I found that your Company has added a derogatory Line on my Personal Credit Report and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX XXXX, I am also unaware of the amount due and your Derogatory Remark does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is this : Validation of debt HIPAA authorization signed by myself. 
Provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Your Company and the Medical Professional/Company that Contracted you are in Violation of these laws among others : Subtitle D of ARRA Sec. 13401 ( Application of Security Provisions and Penalties to Business Associates of Covered Entities ) Subtitle D of ARRA Section 13407 ( 1 ) - ( Breach of Security ). 
Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent up to {$5000.00} per incident plus costs. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I received an email from US Bank regarding " cash-back deals '' on my checking account. One of the offers was for 10 % off purchases at XXXX for a maximum discount of {$8.00}. I signed up for this offer through the link provided in the email. 

I made a purchase of {$75.00} at XXXX on XX/XX/2021 using my US Bank debit card. However, I have never received the {$7.00} cash back. I have inquired with US Bank to try and get this resolved but have never gotten a response.
Product: Debt collection

This is not my debt. Im not sure who used my Information for this bill. This debt is hurting my credit score and my wife and I are trying to purchase a home.
Product: Payday loan, title loan, or personal loan

Car broke down ( XXXX XXXX XXXX ) had already paid XXXX for brake job repair. Signed a note with XXXX XXXX XXXX XXXX. under ( XXXX XXXX ) for brake repair, after repairs the amount was XXXX after 90days. XXXX for 12 months. I can not borrow or raise the money to pay the loan off by XX/XX/XXXX. I already made 2 payment of XXXX. XXXX a piece. What can I do? Just keep paying for 1yr? I said the brake repairs were too much. and I was treated very hostel by MGMT. was told '' move your car off my lot or pay in a loan for repairs, I am an older lady and I signed for repairs.
Product: Student loan

Navient refuses to response to any written requests regarding the discharge of my student loans. I have spoken with Navient representatives/debt collectors numerous times informing them of applications and documents that has been submitted for loan discharge and no resolve. XXXX ) I submitted the will called seven times a day in a form of harassing me for payments. Navient has been informed in writing and verbally regarding my filing bankruptcy which included all five student ( XXXX  ) loans. 1. XX/XX/XXXX amount : {$7500.00} ; XXXX. XX/XX/XXXX amount : {$3400.00} ; 3. XX/XX/XXXX amount {$7000.00} ; 4. XX/XX/XXXX amount {$5500.00} ; 5. XX/XX/XXXX amount {$5000.00} at a 6.8 interest rate. All of these loans Navient purchased, and they were all included in my bankruptcy. In addition, to the school closing and I never received my diploma/certificate from XXXX in XXXX, California. In explaining this information over and over again. Last year in XX/XX/XXXX, When I spoke with a Navient representative I was instructed to complete and submit a Loan Discharge Application : School Closure and he ( XXXX ) told me that this should take care of the student debt and I would no longer be harassed. Once again, I did as I was instructed and I have attached the Loan Discharge Application : School Closure. Lastly, I have been receiving calls and written letters stating that if I don't make payments, the guarantor may take one or more of the following actions. Keep in mind my student debt should have been discharged, and the violation of harassment during this COVID pandemic should not be happening. I truly believe that I am a target of discrimination, and it is clear that Navient does not or should I state, will not reply in writing to any submitted documentation. 
I will continue pursing my rights, as I have become a victim of Navient and will file a discrimination complaint with the office for Civil Rights to stop this vigorous harassment and not discharging the student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX XXXX {$9900.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a person impersonated a known person in my community by hacking their XXXX account, and pretended to sell me XXXX concert tickets via XXXX. They provided screenshot and video evidence that they had the tickets, and I had no reason to believe they were not who they said they were. After I made the payments ( the first for {$400.00} to make sure it worked, and then the rest for {$1200.00}, for a total of {$1600.00} ), I was immediately blocked. I learned that the community member of mine was hacked, and it was not her account. I filed claims with Wells Fargo, but they have denied them because the transfer was " authorized, '' despite it being fraud, and without looking at any of my evidence. I saw in an XXXX news article that the same thing happened with another Wells Fargo customer, and after she contacted the media, the bank returned her money. As a lifelong Wells Fargo customer, I am being treated differently, and they should uphold the same standard of protection for all loyal customers. ( Does it take going to media to get this treatment? ) I have spoken to Wells Fargo employees in the claims department, but still received no resolution.
Product: Money transfer, virtual currency, or money service

A government entity assisted me on my home mortgage during the Covid-19 outbreak by making a check for {$2100.00} that was mailed by accident to a prior servicer called Stearns Lending / XXXX. XXXX XXXX XXXX from the XXXX County Community Services Department Office of Social Services where check # XXXX was issue from for amount on the complaint letter. Myself and XXXX have contacted loancare numerous times requesting that they find this check asap which they cashed on XX/XX/2020 after check was send by mistake on XX/XX/2020. They provided a ticket reference # XXXX. They've been telling both us and giving us the lies that they escalate and someone's is tracing this. Now I asked you or anyone reading this XXXX has send photocopies of bank check showing loancare cashing this but refuses to refund back the amount or sending this amount to correct servicer which is XXXX XXXX Mortgage so my account is updated. Instead there playing around and trying to keep money for themselves which is theft. I've even called executive office today XXXX and spoke Mrs. XXXX which administrative to XXXX XXXX and acted very unprofessional and seemed not to care about situation at-hand. I asked anyone reading this check the reviews for yourself. Why would you want to do business with someone that's keeping a check that belongs to someone else. I've explained to several supervisors of this company XXXX got this check was given to me during the covid-19 to assist me with another loan that's not them. These individuals can care less making promises that they broke their self they never return my calls or anything instead which is bunch of Lies like I said on reviews. A company like this should not have a license to operate.