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

Hi, I found three suspect transactions posted on my boa credit card account on XX/XX/XXXX. They were XXXX {$770.00} onXX/XX/XXXXXXXX XXXX {$1000.00} on XX/XX/XXXX and {$1000.00} onXX/XX/XXXX. 
I reported them to the BOA fraud department right away by walking to the local BOA branch and asking a banker for help. During the phone call, I stated that I didn't recognize those transactions, and I have never been shopping on those stores. And then I was issued a new credit card with new numbers on it which will be mailed to me in a few days. The old credit card has been closed then. XX/XX/XXXX, those amounts listed above was credited back to my account, but bad thing happened to me again. XXXX {$84.00} on XX/XX/XXXX. It was ridiculous. My old credit card was closed, and I haven't gotten my new one yet. But somebody still kept using my information to do fraud, and it seems BOA did nothing. I called again, and got credit back again. XX/XX/XXXX, BOA informed me that my claim was denied because the credit card I had is a chip card, and those four transactions were all card presented. So those four transactions has been posted on my account again. It was a blow.BOA believed a chip card couldn't be copied. But the fact is the chip card can be copied. According to XXXX XXXX, Chip card cloned was happening in XXXX in XXXX. My case may be first chip card cloned case in USA, but never be the last one. What I did is to help BOA fighting the fraud. I am honest enough to tell the truth that my credit card was kept in my wallet all the time. Then I got into the trouble that I had to tell BOA how those crooks did the fraud. This is totally no my liability and totally out of my ability. all I know is my card is in my wallet, I never used my card shopping on those stores, and I was working on an XXXX restaurant during those transactions happened, my boss can be my witness. I kept contacting BOA on XX/XX/XXXX. They opened my claim again to do more investigation which is good. But I was told if I can't prove myself then the result will be same that means I have to pay these {$3000.00}. When I asked the guy on the phone from BOA that why I have to prove myself but not those stores. I got no answer. I felt BOA treating people differently, just because they are big companies, and I am only one person? BOA ads " worry free, zero liability '' are totally not true.
Product: Checking or savings account

Subject : Issue with Blocked Checking Account at Juno Bank Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning issue I have encountered with Juno Bank regarding the blocking of my checking account. I have been unable to make any transactions, including the use of my debit card, as the bank entity appears to be blocked. 

This situation has caused considerable inconvenience and financial disruption, and I am seeking assistance in resolving this matter promptly. I have not received any satisfactory explanation from Juno Bank, and the lack of access to my funds is a significant cause for concern. 

I kindly request your intervention in investigating the circumstances surrounding the block on my account and ensuring that Juno Bank takes appropriate action to resolve this issue without further delay. 

I would appreciate any guidance and support you can provide to help facilitate the swift resolution of this matter. Please do not hesitate to contact me if you require any further information regarding this issue. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX did not verify my disputes it took them less than 24 hours to come back and say it was still on my report.
Product: Student loan

I had 5 private student loans with XXXX. The loan was with variable rates, and I was forced to refinance my loans with fix rate since it was getting too expensive therefore, I refinanced my private student loan with another XXXX XXXX. My loan amount with XXXX was XXXX at the time of closing according to XXXX customer service line. The new lender XXXX paid off my private student loan and the payment was {$130000.00}. The overpaid amount the difference is {$1100.00}. I never asked for loan that is {$130000.00}. I made so many calls to XXXX MOHELA to find out when the new lender will correct this difference. I am getting no logical explanation. The loan was paid off on XX/XX/year>. I believe XXXX MOHELA is another XXXX  with corruption. In fact, I believe they are same game and same people under different name. 
I sent XXXX MOHELA a certified letter today ( XX/XX/year> ) and I demanded to have explanation and correction to my promissory note regarding loan amount. I shall take legal action against XXXX MOHELA to make me go through all financial trouble and unnecessary paperwork. 
The issue is XXXX MOHELA overpaid my loan and now charging me interest over this overpaid. I never wanted more loan from any lender. All I wanted was to pay off the loan with XXXX exact amount no XXXX more or less!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / 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 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.
Product: Bank account or service

SunTrust Bank is reported inaccurate and defaming information about me to XXXX XXXX XXXX. I have called SunTrust Bank to get this resolves and the SunTrust representative ca n't will not give me any information pertaining to this matter but only to call XXXX. I contacted XXXX and they advised me that Sun Trust is reporting that the reason for the FRAUD notation is because : ATTEMPTING TRANSACTION IN AN UNPLEASANT MANNER. This is a complete false information and I am requesting SunTrust Bank to remove this information immediately in order for me to open a checking account with my current bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two 30 day lates reported to my credit report during the stay at home orders, my business was shut down a good portion of 2020. I have sent 2 letters explaining to capital one that per Public Law No : 116-136 ( XX/XX/2020 ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021, my account was in good standing and still is, I called capital one In XXXX  of 2020 and also in XXXX XXXX 2020 to discuss my business shutdown from the pandemic and my payment would be a little over 30 days late and they explained they wouldn't report it late due to the pandemic shutdown. Ive sent two letters ( attached ) asking them to remove these late payments and they replied back with they cant remove for courtesy reasons. Which they are clearly violating the Cares Act and lied to me when I called and arranged the payment.
Product: Credit reporting

I have an account on my credit report that is reporting incorrect information XXXX incorrect payment information
Product: Credit reporting

I have a fraudulent hard inquiry on my Transunion credit report from XXXX XXXX XXXX. I have had no dealings with this company nor did I authorize any credit inquiries on my behalf.
Product: Credit card or prepaid card

This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance.

Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report.

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.
Product: Mortgage

After finding additional information, I 'd like to revise my earlier complaints ( XXXX and XXXX ). Green Tree 's reporting of incorrect information on my current credit reports at all XXXX agencies is worse than I thought. On my current credit report, they have incorrectly reported the date of last activity and the account closed date. Those listed on the attached XXXX report from 2010 provide the correct dates. I believe Green Tree is willingly and knowingly reporting incorrect information to the credit agencies.
Product: Credit card or prepaid card

Received 3 emails from Synchrony Bank <XXXX> 1st one stated a trial deposit has been successfully made to your ... 
2nd one stated a trial deposit has been successfully made to your Amazon Creditbuilder Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER   Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 

3rd one stated that action was required on my application. 

I see on social media that this happened to a lot of people and it was sent by Synchrony in error. However, this is not an acceptable error as I didn't open any application. Both companies should be investigated for fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, On XX/XX/2018, Experian placed Fraud Alert on my credit report without my notice using my identity, also mentioned as consumer statement. I have no idea, how did Experian place so called XXXX ID security and fraud alert. Experian responded to CFPB that Experian received the fraud alert dated XX/XX/2018 from one of the credit bureaus. I have membership in all three credit bureaus and verified the details of XX/XX/2018 Fraud Alert. XXXX XXXX received the fraud alert from Experian and there is no other credit burerao initiated the fraud alert. I have all three credit bureaus reports for last three weeks, only Experian initiated the fraud alert dated XX/XX/2018. Also, I have only one credit card open with minimal balance and there are no Auto/Home loans. Experian must provide the details of this fraud alert datedXX/XX/2018 and also any fraudulent company placed this fraud alert or anyone stolen my identify and placed this identity. I have also uploaded my identification details, SSN and various details to Experian multiple times through CFPB.I have communicated to experian that Experian holds that complete legal accountability and responsibility for placing this kind of fraud alerts and mixing my SSN, there should not be anyone who is associated to my social. Could CFPB kindly direct Experian to remove this fraud alert immediately from credit report without further delays. Could CFPB to direct Experian to provide the complete details of this fraud alert dated XX/XX/2018 and source of this fraud alert, any fraudulent creditor or bank used or any unauthorized company used my identify and placed this alert. I have also observed in Experian credit report, company called " TRUE LINK '' did soft inquiry onXX/XX/2018. I do not have any business with " TRUE LINK '' and why did they do any inquiry using my identification and social. " TRUE LINK '' inquiry is fraudulent inquiry on my credit file and I do not have any business and its completely false inquiry and how did Experian allow fraudulent companies to use my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a collections notice on my credit reports within the last few days in the amount of $ 230+-. I do/did not have an account at XXXX and I consider this entry erroneous and fraudulent.
Product: Money transfer, virtual currency, or money service

On XXXX Citi Bank wired two wires to a XXXX XXXX to his bank account numbered XXXX in XXXX XXXX, one in the amount of {$4900.00} and one for {$4900.00} and I have copies of the wires, and two wires to XXXX XXXX, one for {$4900.00} and one for XXXX, and her account of numbered XXXX Both to XXXX XXXX, and I have copies of those wires as well. A total of FOUR WIRES IN THE AMOUNT OF {$19000.00}. As soon as I found out the money was gone on XXXX, in the morning, I went into the bank. And the agent there tried to retrieve them, but said it was too late.

She said it was common and being done a lot. Apparently the person orders the wires over the phone. I immediately called in law enforcement and they filed a police report for Fraud and Theft and that is # XXXX and it was Called Grand Theft. It was Fraud by False Pretenses # XXXX ( a ) and Theft by Fraud by access card # XXXX. The XXXX account was closed by the banks agent at that time and the money left in my XXXX account was transferred to my Daughters XXXX XXXXXXXX XXXX personal account. The XXXX  account was our partnership XXXX  account. We then waited for a response from the fraud department. After two weeks they denied any claim saying it was a scam!!! We requested a supervisor to look at it and sent in the police report and all paperwork we had so they could see that this was theft and fraud and turn it over to the FDIC so we could be reimbursed for our loss. That person came back saying it was a " scam '' I then said did the teller or agent not verify the phone authorization of the Four wires and they said YES IT WAS and I said I want to hear it so I can prove it was not my voice or my partners voice, that authorized it. And I was denied this request. I want this Grand Theft loss to be turned over to the FDIC and I want my money back! The phone call will prove that neither I nor my partner authorized it and either the call was never made, or someone else authorized the four wires ... either way my company account has robbed and the bank is refusing to send it to the FDIC insurance!!!!!
Product: Checking or savings account

I used the ATM machine at Citizens Bank, on XX/XX/2023, The branch is located.at XXXX XXXX XXXX, XXXX, RI. I tried depositing {$4800.00}. The machine kept returning the money back, but I kept trying to complete the deposit, until I finally finished the deposit. I waited until next day to check on the account, and it was {$1300.00} short. I spoke person to person with the branch manager, XXXX XXXX, and he said it will be taken care of, and that there was an ATM malfunction and there was a lot of people affected. So, I went home and a few days later, I returned to the branch but this time I spoke with an assistant manager named XXXX, do not know her last name. She agreed with me that it was a bank error and apologized to me and told me that it takes 24 to 48 hours to return the money to the account. So, I left, and went back to the branch and spoke with a different assistant manager. This time the assistant said that it takes 45 to 90 days to solve the problem. So, I decided to get help since one manager said one thing and the other said something different. About a week later I received a letter stating that the there was no machine malfunction, and therefore, they will not return the funds to my account. Please investigate this, since there were a lot of people complaining like me and they probably got the same response from the bank.
Product: Debt collection

I cancelled an insurance policy and furnished another insurance company and they still continue to charge me for this plan even though I have not used it! I have contacted them several times and sent my current insurance information and they continue to charge me.
Product: Credit reporting or other personal consumer reports

Freedom Mortgage has ruined my credit, please help me.

My original mortgage company sold our mortgage to Freedom Mortgage which was the beginning of this nightmare. I kept making my payments timely via auto debt, they kept returning them, I have all the banking documents to prove it, then they reported me to all the credit bureaus, kept trying to charge me fraudulent late fees, when all along returning my payments that I kept making in a timely manner. They kept sending me letters at home harassing me telling me that I didn't have sufficient home insurance, telling me purchase insurance from them or they would drop me for insufficient home insurance, threatening to take me to collection. it's been 1 thing another, told me I have to pay late fees although my checks were sent in timely manner but returned by them. They tried to pull my mortgage payment from my bank from some random account which my bank denied, they tried to charge me with late payment for that too. After spending endless amount of time with their incompetent customer service department they told me to pay all the late fees to stop them from further reporting me to credit bureaus, then they'll refund me all the late fees. Please help me as they are refusing take back the derogatory credit reporting, holding me liable to delinquencies. 
Never before in my life have not paid my mortgage payment on time in 30 years of my credit history, I have always paid Freedom Mortgage well over the amount due monthly for my mortgage payment until this terrible nightmare began. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : states that 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: Credit reporting or other personal consumer reports

In XXXX of XXXX  I sent certified mail to Equifax Information Services requesting a review and removal of multiple accounts I found on my credit report containing errors. Equifax did an investigation and responded that accounts were accurate. The accounts were clearly NOT accurate as there were multiple errors on every single account with XXXX XXXX. I circled all of the errors on my credit report and mailed it to them along with a request for re-investigation and this time I requested they prove the account was actually investigate by providing specific details to the procedure when completed. Not only did they fail to provide any specific details to investigation procedure but they responded again saying the accounts were verified. The discrepancies were circled, clearly visible and undeniably an error on my consumer reported that needed modification or deletion. I noticed that there responses are all computer generated and generic. I do not believe that my accounts and request have EVER been considered. No human can look at the information I provided and claim that that it's accurate. I believe Equifax has a fraudulent verification process and is lying about investigating any of my disputes. I am in the process of seeking legal counsel to see if violation 1681s-2A & 1681s-2B has occurred.