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

On XX/XX/2018 the Bank of America ( BOA ) debited my checking account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. On XX/XX/2018 the bank again debited my account for {$9900.00} when presented with a XXXX XXXX : ECHECK ID : XXXX, INDN : XXXX XXXX CO ID : XXXX WEB. 

When I went to reconcile my account on XX/XX/2018 I discovered these fraudulent debits. My account has been closed and a Bank of America claim was made ( Claim number XXXX ). The funds were restored about four days later. 

I have also notified XXXX of the fraudulent EChecks. It is my belief that my XXXX merchant account was breached and this is how the fraudster was able to set up a new XXXX account and draw and ECheck on my BOA account. While I believe that XXXX is primarily responsible for the security breaches that lead to the issuance of these fraudulent Echecks, I am shocked that the Bank of Americas security procedures were so weak that these transactions were executed. 

In over twenty-five year I have never issued a XXXX XXXX ECheck. I have almost never issued any form of disbursement from my account for over {$2000.00}. In fact, the pattern of disbursements month in and month out are virtually identical as to payees and as to amounts. Additionally, the amount of the XXXX XXXX EChecks, {$9900.00} should in of itself have raised a red flag as it is just below the {$10000.00} level which would necessitate special reporting requirements. Given the unusual form of the check, the unrecognized payee and the significant amount of the check, I would, as a bank customer, have expected that some form of alert and verification process been triggered. In the past when I have attempted to make intrabank transfers over a certain threshold ( significantly less than {$9900.00} ) security confirmations via text messaging to my phone have been implemented. Why wasnt I alerted to this highly unusual set of transactions? 

As part of the process of resolving this issue I opened three new accounts with the remaining funds transferred from the compromised account. I have spent many many hours setting up new accounts and changing automatic deposits and payments. The stress and aggravation has been significant. 

My complaint to the CFPB is that the Bank of America has never answered my question as to how such an egregiously set of fraudulent transactions could have been debited form my account in the first place. The CFPB should investigate the utter inadequacy of Bank of America 's fraud prevention systems.
Product: Credit card or prepaid card

Hello, I've opened this complaint in regards to a dispute on my Barclays XXXX credit card that was not resolved. To provide a brief summary, I purchased airfare for XXXX XXXX through a 3rd party, XXXX XXXX, on the date of XX/XX/XXXX. This was for a one way XXXX-XXXX flight on XXXX XXXX, departing XX/XX/XXXX. I used a combination of XXXX Points and cash, with the remainder charged to my XXXX credit card. I have attached this evidence along with my confirmation from XXXX, showing I paid/booked the airfare through XXXX XXXX. Since I was not able to select a seat during this third-party booking, I used the confirmation number provided by XXXX XXXX to import this trip into my XXXX XXXX account. I then selected a 'Big Front Seat ' in the amount of {$40.00} ( having already purchased the airfare through XXXX XXXX ) and provided my Barclays XXXX credit card to XXXX  for the {$40.00} seat charge. 

I never received a confirmation screen or email from XXXX  for the seat selection, and I was incorrectly charged {$180.00}, rather than {$40.00} for the Big Front Seat. Essentially, I was charged a second time for the airfare that I already purchased through XXXX XXXX. I did not book this airfare through XXXX, and there is no reason for XXXX  to charge me for the {$140.00} additional airfare amount. I spent a considerable amount of time with customer service reps from both XXXX ( both phone/email ) and XXXX XXXX, who pointed me in each others direction in trying to resolve this. Neither would take any responsibility for trying to help fix my problem. 

I have attached a lot of documentation including the confirmation I received from XXXX XXXX for the airfare, and emails from XXXX XXXX where they admitted that I had booked the airfare through a third party and not directly through XXXX. Ive also attached credit card statements with the XXXX and XXXX XXXX charges. My complaint is with Barclays, and also XXXX  since they charged me for the airfare a second time ( onto my Barclays credit card ). I realize this case is slightly complicated, but I have pursued every other avenue I could think of before filing my CFPB complaint. I opened up an official credit card dispute with Barclays, and was told to mail my documents in to support my dispute. I mailed them in and eventually Barclays denied it saying I failed to provide proper documentation. I do not agree, because I provided proof that I was charged twice for the airfare I purchased through XXXX XXXX. Feel free to contact me if you need additional information or documentation for my complaint.
Product: Credit reporting or other personal consumer reports

The following account was charged off as of XX/XX/2023 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Product: Credit card or prepaid card

I have a United Airlines Chase credit card. The balance on the credit card was at XXXX percent interest ( after paying an upfront fee ) until, I believe XX/XX/2021. On XX/XX/2021, I was billed the annual membership fee for maintaining the card which was {$95.00}. On XX/XX/2021, I was charged {$0.00} interest and on XXXX XXXX I was charged another {$0.00} in interest. As I not only pay my minimum amount due each month but far in excess of the minimum, I believe Chase should have applied the excess payments toward the {$95.00} membership fee and not charged me any interest in XXXX or XXXX. As I understand the law, any payments received in excess of the minimum payment will be applied first to those charges with the highest interest rate, in this case that was the {$95.00} annual membership fee. Chase refunded my interest of {$0.00} after I called and complained but I do believe that they are not following federal law in applying payments properly.,
Product: Debt collection

XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$2400.00} XXXX XXXX XXXX / XXXX XXXX {$570.00} XXXX CARD / XXXX / {$880.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), 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. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Mortgage

I am in the process of conducting research into the assignment of my current mortgage. In order to do so, I have received documentation from my originator that led me to Pacific Union Financial, which was bought by XXXX XXXX. I have called Mr. Cooper Customer service in an attempt to receive documentation of the mortgage 's sale to Pacific Union Financial, and any sale thereafter to XXXX XXXX. I was told that the research department did not have a direct phone line, however I should fax my request for information. The attached fax is what I had sent on approximately XXXX XXXX. 

I have yet to receive any contact from the research department. As this research concerns a potential foreclosure of my current mortgage, and as Pacific Union was once acting as my mortgages investor, these records are of vital importance to me, and have the potential to cause me financial hardship if not obtained. 

I feel it is Mr. Coopers duty as a financial institution to provide records, or at least communication to its clients, and the clients of its acquisitions in a timely manner.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX/XXXX  Account Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 
4. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. This account was CLOSED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This account was PAID and CLOSED. 
XXXX  / XXXX  Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX, MD XXXX XX/XX/2011 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed so many times explaining that I have not made any payments to the U.S. Dept. Of Education and/or XXXX since XXXX or XXXX. They are showing that I made a payment as late as of XXXX which is false as I was XXXX most of the year. It has been well over 9 to 10 years since a payment was made yet they are saying I made a payment in XXXX. I've asked the 3 bureaus to make XXXX SHOW RECORDS OF MY PAYMENTS AND THEY WON'T BE ABLE TO FIND ANY BECAUSE I HAVEN'T MADE ANY. I just want the people to stop destroying my life and STOP REPORTING FALSE INFORMATION.
Product: Credit card

On XX/XX/2023 I went in XXXX and purchased around XXXX worth of merchandise. As I was checking out a preapproved prompt came across the screen. I agree to it and it was for {$400.00}. I was told to call for an increase and so I did. I was told no and to wait for my reason y in the mail. Their reason why is Comenity Bank wants to see consistent payments which discrimination. Adverse action against a consumer is against law according to the Equal Credit Opportunity Act. Regardless of the reason for that low credit limit, I have the right to credit. Withholding my access to my security is security fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of XXXX for over two decades. 

I had alwasy used my own credit cards. 

I was recently offered a XXXX credit card which turned out to be offered from XXXXXXXX XXXX. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card.

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an proper investigation to XXXX, TRANSUNION AND XXXX regarding an account for 5 months since XXXX XXXX after XXXX followups XX/XX/2022 XX/XX/2022 XXXX XXXX and also XX/XX/2022 and XX/XX/2022 i still havent received the requested information. Also, i have pointed out numerous errors [ ie. billing dates, balances and etc ] regarding the charge off account showing on my credit report requesting them to be removed this has caused detrimental effect on my health and welfare [ ie. billing dates, balances and etc ].
Product: Vehicle loan or lease

To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 
This vehicle was repossessed by ( XXXX XXXX ) in the State of ( Your State ) on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx. 
Under the laws of the State of ( State where the car was repossessed ) UCC ( The states XXXX code ) and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

Sincerely,
Product: Credit reporting

I have a credit freeze on my credit report. I want to be able to lift the freeze via the internet. I am not able to lift this freeze without calling and wasting 30 minutes on the phone. They have incorrect data for previous addresses and will not correct this. When I call they give me the run around. I want to lift and set my security freeze based on the pin number issued by Transunion over the internet. I do not want to have to call in and announce my soc sec number and pin over the phone for everyone to hear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called XXXX XXXX to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other XXXX XXXX cards as I now have a 680-720 credit score ( lower is because of this )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard credit pull on my credit report by the company Flagship Credit Acceptance. I never gave my consent for this to happen. I tried to call the company, but could not get through to them over the phone. When calling, they do not give an option to speak to a representative without providing an account number, which I do not have with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
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 U.S.C 1681. XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 conviction of crimes which antedates the report by more than seven years. 15 U.S.C 1681 e 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: Mortgage

I tried to get a mortgage approval through Rocket Mortgage. At the moment I originally applied, my credit was around 608. After reviewing my credit, they said the system required a " dispute removal ''. They would not process my loan unless I agreed to this dispute removal process. After this procedure, they reran my credit and it tanked to XXXX. I did not qualify for FHA loans without a 10 % down payment due to my credit being to low ... but only after THEY RUINED IT! Rocket Mortgage refused to manually underwrite the loan. STAY FAR AWAY FROM ROCKET Mortgage!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account 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
Product: Checking or savings account

Last Monday XXXX XXXX my Chime account was locked. Since then, I been calling and emailing with my proof of identity and they still will not unlock my account nor just send me a check for my funds. They keep saying they are working on it or they need another proof of identification. I sent in my driver license, passport and resident card.