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

On XX/XX/2022 I used the Chase drive-up atm machine on XXXX XXXX XXXX XXXX XXXX. I deposited crisp {$100.00} dollar bills and when the machine counted my money, {$200.00} was missing. I canceled the transaction thinking it would eject all of the money that I deposited but the {$200.00} was still missing. I drove around to the teller and she said I would have to call the 1800 number but she ensured me that it was not possible for my missing money to come out for another atm user. It was XXXX XXXX and I still needed to deposit the money so I deposited what I had and as soon as I got home I called the 1800 number. They deposited the missing {$200.00} into my account while they did an investigation. Then I got a letter stating that they were taking the money back because they could not find my transaction. I immediately called them and told them that there was no atm transaction because I canceled it to get my money back. I asked if they checked the atm machine for the money that was probably jammed in there and was told that they had no information on what investigation was done. After getting nowhere with them, I called my branch bank back and explained what had happened at their atm. The employee then called the same XXXX number back that I had already spoke to and this time they told me that they did check the atm machine and there was no money there. Either the money was ejected for another customer which they ensured me would not happen or whoever checked the machine found the money and it was not returned to me.
Product: Credit reporting or other personal consumer reports

There are hard inquires on my report and I have no idea how they got my information or why it was ran.
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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XX/XX/2019, in XXXX, NC, my credit card was stolen. A {$150.00} charge was fraudulently made with the card. Bank of America refuses to refund the {$150.00} amount, claiming that the card was in my possession because " The chip was read, your [ my ] PIN was entered, and/or you [ I ] signed for the merchandise. '' On XXXX XX/XX/2019, my credit card was stolen, taken from my hand, by a young woman at a XXXX gas station ( on XXXX XXXX, XXXX, NC ). I immediately drove to the nearest Bank Of America Banking Branch ( XXXX XXXX, here in XXXX, NC ), followed all instructions given by the branch officer, and filed a fraudulent use complaint while at the bank. 

My credit card was stolen ; therefore, any fraudulent use would include reading of the chip. 

I have never used a PIN in association with this credit card. I have no knowledge of a PIN associated with this credit card. 

I did not sign for any {$150.00} purchase associated with this or any other credit card. Nor have i ever purchased any items from this retailer ( reported on my online statement of account transactions as XXXX, on XXXX XXXX XXXX. 

Once i returned home, my son viewed by account transactions, online. There was a charge for {$150.00} made at an area XXXX, and a denied charge at a gas station. Bank of America refuses to correct this {$150.00} charge. We ( my son and ) went to the XXXX and was given a receipt record of the purchase. The young lady foolishly used her rewards account with the purchase. We forwarded this receipt, which contains the young lady 's name, to Bank of America. Bank of America has yet to address or even mention this receipt. 

Your help in resolving this injustice will be greatly appreciated.
Product: Debt collection

The debt collector called me stating that I owed money for a Paypal account that I have. I paid the account off in XXXX but left the account open. The agency stated that there were charges on the account and described things that had been ordered and sent to my address. I immediately thought my identity had been stolen. Upon calling Paypal I found that the account had a XXXX balance and there had been no charges. I closed the account as a precaution, this all happened today, XXXX/XXXX/XXXX. The agency that called, once I advised that the purchases were not mine, stated that they would open a fraud case, they verified my address, phone and email. Paypal advised me that they were the frauds and they were aware of what was going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I had a report through my XXXX XXXX account of a recent hard inquiry. A Hard inquiry was done by Capital One on XX/XX/2023 for a credit card application that I did not submit. I contacted Capital one and reported this fraudulent application. Capital one cancelled the fraudulent application and will contact XXXX XXXX and XXXX to remove the hard inquiry. Capital One advised me to follow up with a complaint to the credit bureau. Capital One also asked me to allow XXXX business days for this complaint to be complete. And XXXX days before the removal is seen of the hard inquiry. Any further help in this matter would be appreciated. Thank You.
Product: Credit reporting or other personal consumer reports

i did not authorize these inquiries i did not authorize these companies to run my credit this is fraudulent the companies are : capital one XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX OF XXXX Are negatively reporting on my credit report even though my students loans are in good standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that a Tally Line of Credit account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/year>, I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXX appeared on my credit report. I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe XXXX have contributed to the unauthorized use of my personal information. I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day Sir/Madam, I am writing to file a complaint of fraudulent promotion of its rewards card which is the Good Sam Credit Card of Comenity Capital Bank promoted by XXXX XXXX XXXX XXXX 

I could not remember the exact date, but it happened either in XXXX or XX/XX/2018.  Heres why this is fraudulent. I went to XXXX XXXX XXXX XXXX to buy a fishing hook. As I was paying for it, the cashier told me that he could give me the fishing hook for free by applying and getting approved for a Good Sam Rewards. I got interested and asked him, Is the Rewards like a XXXX XXXX or XXXX in which you earn points? He answered, Yes. I asked him again, Do I have to pay to join for this rewards? He answered, No, but every time you use it here you have a discount and you earn points. So, I told him that I am interested to join so I could get the fish hook for free and in my mind knowing that the my credit score is really good. Then, he told that I did not qualify for the Good Sam rewards and asked me to pay for the fishing hook. Unexpectedly, he gave me an adapter charger for trying the Good Sams Rewards. I was mad and sad when I left for not getting it for free! After a few days when I checked my mails, I saw the Good Sam Rewards card. I was so upset and told myself that this is a fraudulent promotion! I was not approved as told by the cashier and now here it is in my mail box and its a credit card! He did not even told me that it is a credit card. I immediately threw it to the trash bin. 

Today, XX/XX/XXXX, I logged in my XXXX account and it shows I have 6 open accounts. I counted my credit cards in my wallet and its only five. I review my XXXX  open accounts and the Good Sam Reward Credit Card is open which I did not activate and was never approved for. 

I am seeking help to CFPB to close the Good Sam Reward Credit Card of Comenity Capital Bank under my name which I was not approved for and I did not activate this card. Moreover, any inquiry under my name done by Good Sam Reward Credit Card of Comenity Capital Bank be removed to all the three credit bureau so my credit score is not affected. 

I hope that this fraudulent promotion be stopped so other people wont be deceived. 

Thank you and happy holidays!
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau. Until recently, I enjoyed a near perfect credit history. I take considerable measures to ensure that I retain this standing as this is very important to me personally and professionally. In XXXX XXXX, I decided to increase my available credit by applying for the Barclays Ring MasterCard and was approved for a {$12000.00} credit limit. I signed on for paperless statements at that time. The card remained unused, until it happened that on XXXX XXXX and XXXX XXXX I mistook my Barclays card for the one I usually use. On those two days I used it to pay for a total of {$1.00} in parking fees and {$17.00} for food, for a total of {$18.00}. I have not used the card since. I received NO monthly statements, electronic or otherwise notifying me that I owed anything until an email dated XXXX/XXXX/XXXX informing me that my account payment was two months late. I then received my FIRST online monthly statement EVER on XXXX/XXXX/XXXX indicating that I owed {$64.00}. I became aware of these two emails on XXXX/XXXX/XXXX at which point I immediately paid off the full balance on my card and signed up for automatic payments. I contacted Barclays on XXXX/XXXX/XXXX as soon as I became aware that my credit report had already been hit with a late payment notification. I was instructed by Barclays to make a formal request in writing. I was asking to have the late payment report be retracted, given the fact that I had not been notified about the charges that were pending. After a review period, Barclays denied my request. I am writing the Consumer Financial Protection Bureau now to help me appeal this decision. I believe that Barclays is primarily at fault for not having notified me ( in writing or electronically ) that my account was in arrears. Had I simply known about my late payment status, I would have immediately payed the balance not only to avoid late payment charges, but most importantly to preserve my good credit standing. I have attached ALL communications between Barclays and me since the initial account was opened. You can see by the records that Barclays had ample capacity to notify me ( as is their duty ) but chose not to do so. As soon as I received my first notifications, the record shows that I acted promptly to resolve the matter. By that time Barclays had already submitted their late payment report to the credit agencies. They are now refusing to reverse this report and they take no responsibility for the chain of events. This decision by Barclays is hurting my credit score significantly and my personal life financially. I request that Barclays take the necessary measures to remove these negative reports from my credit history. I believe that Barclays has been negligent in their duty to inform me of my account being in arrears and that their actions in causing me real damage. I hope that the CFPB can help resolve the issue I 'm having with Barclays. I will escalate this matter to a lawyer need be.
Product: Debt collection

For XXXX and XXXX years I have tried to settle a debt with XXXX as I am XXXX and had no income at all. 
XXXX XXXX XXXX has called me daily as well as harassed my mother in law with XXXX in Florida telling her to pay them, my XXXX daughter in XXXX, my husband my sister in law in Washington state, and my husband. By texting, calling and leaving them voicemails. They have now been sending letters. I have asked them to please stop, and they have become more threatening. Doxing my personal information to people. My age, name, addresses and phone numbers as well as debt information. 
I am fearful and afraid daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan Chase as the lender never sent me any billing statement, nor payment alert, nor payment book, nor notice if there's any overdue. Yet they report I had 1 late payment for no more than 2 weeks. 

How can they expect customers to pay when they don't send customers billing statements? 

I still don't know my loan number, I have not seen my billing statement, and I have not seen the due date at all. 

It is not right for Chase to file such claim to damage my credit, given I had 28 years of excellent credit history with no late or missed payment and my credit score was XXXX. Now it dropped to XXXX because of Chase 's false claim. 

In addition, credit bureau does not inform me when they dropped my score drastically for a single late payment that was not even my fault. Credit bureau did not investigate at all, they merely report what lender says. But when the lender is a bad lender such as Chase, then consumers like me are not protected. We are being bullied by big businesses such as Chase and credit bureaus.
Product: Mortgage

LoanDepot forced place an insurance even after we have submitted evidence of our own insurance. They have still not updated our insurance after we followed up with them three times. 

Timeline : - XX/XX/XXXX Uploaded our home insurance to a portal called XXXX ( as directed by LoanDepot ) - XX/XX/XXXX Got confirmation that our insurance documents were processed and no further action is required - around XX/XX/XXXX Noticing that our insurance hasn't been updated, I called LoanDepot 's loan servicing and talked a representative named XXXX ( ID XXXX ), who assured me that all the documents needed are there and we will not be charged an extra insurance - XXXX - Noticing that there is still no movement on updating our insurance, I called LoanDepot again, this time given a confirmation number on " we put in a work order to update your insurance '', and we were assured that we will not be charged for LoanDepot 's own insurance. The confirmation number I was given was XXXX - XXXX We got an email informing us LoanDepot is placing an insurance ( {$3000.00} ) on our account. I called LoanDepot again asking why they have not updating our own insurance knowing that we have an active insurance that covers our property - After talking to 4 different customer service reps, we still were not able to update our own insurance. It is unacceptable to be taken advantage of by our mortgage service, who knowingly charges us extremely expensive insurance when we have sent our own over, and who made the process unbelievably difficult to take advantage of consumers.
Product: Checking or savings account

I received an email the XXXX XXXX telling me someone was trying to get in my account.I call the bank and tell it was not me and not to let anybody change my information and this happened at XXXX XXXX  the scammer call them and they only verified my name, data of birth and my ss and not security code at the back of my card.The scammer get in my account after I report the issue and get in my account with out the right information and the customer service did not follow the note they suppose to do to secure my account and it been 10 day with out my money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX  Account # XXXX Sincerely, XXXX XXXX
Product: Debt collection

Lvnv Funding is Indicating that papers being sent to me are legal forms when they are not. I sent a certified letter to LVNV explaining that I am a victim of identity theft and for them to send me the following information so I can investigate but all I've received was a billing statement and not the requested information '' Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report  Please send me a letter explaining what you have done to : Inform 12 XXXX XXXX XXXX XXXX XXXX  that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request No other response back from LVNV FUNDING
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX -XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL 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 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.
Product: Student loan

On X/XX/17 I called Navient customer support to request cancellation of my automatic payments for the coming payments for my XXXX private student loans due in XXXX. It was acknowledged and understood by both parties that my request would be processed and take effect before the next loan payment due date of X/XX/17. On XXXX I discovered that my request had not been processed when I logged into my bank profile to see payments in the amount of {$180.00} & {$140.00} had been drafted from my account. I called Navient that day, X/XX/17, and I was advised that my request for cancellation had been received but not processed, I was not given a reason for their failure to do so. I was advised that I could receive a refund for the funds, but only if I submitted a letter of request for refunds, including a copy of my bank records. I was also told that when a refund was issued, my account would instantly fall into past-due status and a late fee would be assessed at that time. The only way to avoid that fee was to enroll in forbearance and pay a {$100.00} fee that day to apply for forbearance. I agreed to do so, in order to avoid an unfair late fee. On XXXX I faxed that letter and a copy of the bank records to the fax number provided by the Navient representative to XXXX. On XXXX I called customer support to check the status of the documents and was advised that no documents had been received. On that same day, I submitted the exact same document as the one faxed previously ( letter of request for refund and copy of bank records ) via the online upload tool Navient offers. On XXXX I called customer support to check the status of the documents and was advised that the document uploaded did not contain my banking records and therefore, my request for refund was not processed. After that conversation on X/XX/17, I uploaded another set of documents via the online tool Navient. This time with separate attachments, one showing the letter of request and the other showing bank statement.
Product: Checking or savings account

I am complaining about my Capital One high yield savings account. They deceptively kept the rates at a fraction of what they should have been in a rising rate environment. These accounts were sold as high-interest accounts. And their new accounts which actually offered a good rate were designed to deceive by looking almost the same. 

I understand that the lawsuit against Capital One was dropped. This is WRONG and completely UNETHICAL. It seems that all rules and regulations are out the window. Did you not see what happened with the mortgage crisis? I lived through it and it was painful. If banks are allowed to do whatever they want to maximize profits, our entire economy will suffer. This is so short sighted. You're cutting off your noses to spite your faces. I am absolutely disgusted by this new " leadership '' at the CFPB.