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

A transaction ( amount : {$2500.00} ) was made with a Bank of America debit card I never received in the mail on XX/XX/2024. Upon receiving the bank 's app alert asking whether I had authorized the activity, I promptly responded no and declined it. Then I called the bank to report the fraud, during which the associate confirmed that she saw my response indicating the decline of the transaction. There were more fraudulent transactions after that call, and I have disputed them all with another call. XXXX, on XX/XX/2024, I found the transaction ( amount : {$2500.00} ) I declined still went through, so I called the bank again to file a claim. The bank hastily closed the claim on XX/XX/2024 saying it was unable to pay back the amount. 

My complaint is that the bank did not research well and it has the responsibility to protect consumers. I have compelling evidence that the transaction was not made by me : XXXX ) The non-delivery of the plastic card made it impossible for me to have authorized it. Prior to the fraudulent transaction, I could only make withdrawals from ATMs using a temporary virtual card. This was necessitated by the fact that the physical card, which I was expecting to receive in the mail since XX/XX/2024, never arrived. 

XXXX ) My XXXX 's location services have always been active so I have evidence from the data showing I was at home when the transaction occurred. The data clearly show that I had been at home until XXXX pm on XX/XX/2024. In the afternoon I went to see a XXXX show and the data precisely show I was in the XXXX XXXX area between XXXX pm and XXXX pm on XX/XX/2024. I can provide screenshots of the location services data records. 

XXXX ) As the phone was on me, I immediately saw the bank 's app alert asking whether I had authorized the activity on XX/XX/2024, and I promptly responded no and declined it. I can provide the screenshot of the alert and my response of declining it. This can also be corroborated by reviewing the initial phone call I made on XX/XX/2024 to the bank, during which the associate confirmed that she saw my decline response of the transaction. 

To summarize, the fraudulent transaction was made using the plastic card that I had been anticipating but never received in the mail. The location data records show that I was at home when the transaction happened. I immediately declined the transaction upon seeing the alert message in the bank app. 

If the card was not delivered safely into my hands, shouldn't the responsibility for covering the charge fall upon the bank? Moreover, despite my decline, the transaction still went through. Shouldnt the bank be responsible and stop the payment immediately? 

With the substantial evidence Ive mentioned, which I could all provide, I don't believe my claim should be closed so hastily, and I believe further investigation needs to be done. The fraudulent transaction should not be paid by the customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Capital One show an inquiry on my report. I didnt apply for any credit with Capital One. Also theres was an address that show up on my file that I am unfamiliar with. I would like the inquiry and unknown address remove off my credit file.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Product: Student loan

I have automatic payments on my account. The automatic withdrawals aren't aligned with the billing cycle and every month I get an email from MOHELA saying a payment is past due. I have made multiple payments on my account in some months because of these messages to avoid any late payment fees or default. 

I have attempted to contact the company but there are no representatives answering the phone. After close to 10 minutes of hold music the line goes silent with no indication that the call queue is being managed. I tried to submit feedback through their provided feedback link in their email but it leads to a 404 error page not found. 

I am seeking help aligning the payments, which I have scheduled to their terms, with their billing cycles. MOHELA is unresponsive and provides no reliable support methods.
Product: Debt collection

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Citibank an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692j ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to Citibank that under 1605 the finance charge there shouldn't be any payments, annual fees or interest.
Product: Credit card or prepaid card

This complaint is in regards to Capital One Credit Card company, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. On XX/XX/2021, I applied for a credit limit increase for my Walmart card ending in XXXX. On XX/XX/2021, I recieved a letter from Capital One denying the increase due to they could not resolve the consumer alert on my credit file. There are two problems with this, first the second call was placed by Capital One, on XX/XX/2021 at XXXX, which is illegal. I did answer the call, which the call did not connect, also whenever Capital One would call about this, they would leave no message. My first complaint is that the credit card company should NOT be contacting a customer at that time of morning, i believe that is in violation of a federal law. Second, I spoke to XXXX, id XXXX on XX/XX/2021, i have never met such a rude and incompetent person who works on a customer service line, she offered no help, gave me attitude, and basically said well if the request is denied, its denied. A request for an appeal to the decision was asked, but ignored and she refused, probably because she is way more than incompetent. Also, XXXX lied to a customer, she told me that the supervisor i was speaking with, XXXX id XXXX was her direct supervisor, which was not correct, XXXX reports to another manager. XXXX was very lax in filing a complaint about XXXX, must be friends, and also much like her friend XXXX did nothing to address the situation or help the customer.
Product: Student loan

I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXX-Unverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXXUnverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I see that my score went down because of a collection account that was reinserted. This account has not been properly verified and was apart of identity theft that was previously removed. It now has a new account name and number but the amount of the debt is the same. This account was opened fraudulently. I did not received notice that this account was being reinserted according to FCRA 15 U.S. Code 1681i ( B ) ( i ) this account has not been verified as accurate to even be reinserted nor did I get correspondence that this account has been reinserted according to FCRA 15 U.S. Code 1681i ( B ) ( ii ). Delete this account immediately. You are violating several of my Consumer rights and I intent to sue for damages, which can be fined up to 1000 per violation. The negligence on your end has cost me tremendously for all the inaccuracies you have been reporting including my credit score dropping due to inaccurate information being reported on your behalf. Remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am writi

ng to file a formal complaint regarding to remove fraudulent items from my account with your institution. Despite multiple notifications and requests for assistance, I have encountered significant challenges and delays in resolving this critical issue, causing considerable distress and financial harm. The fraudulent items in question were identified on [ date ], upon which I promptly contacted your institution to report the unauthorized transactions and request their immediate removal. Since then, I have made several attempts to rectify the situation through various channels, including phone calls, emails, and in-person visits to your branch, yet to no avail. I would like to highlight the following concerns regarding the handling of this matter : Inefficiency and Delay : Despite providing all necessary documentation and evidence of the
fraudulent transactions, the process of removing these items from my account has been unduly prolonged, resulting in prolonged exposure to financial risk and uncertainty.

Lack of Communication : Throughout this ordeal, there has been a glaring lack of communication from your institution, leaving me uninformed about the progress made in resolving the issue and exacerbating my anxiety and frustration.

Failure to Take Prompt Action : The failure to take prompt and decisive action to address the fraudulent activity on my account reflects poorly on your institution 's commitment to safeguarding the interests of its customers and upholding the principles of integrity and security.

Financial Consequences : The presence of fraudulent items on my account has had severe financial consequences, including unauthorized charges, overdraft fees, and potential damage to my credit score, which could have been mitigated with timely intervention from your end.

In light of the above, I demand immediate action to rectify this situation and ensure the prompt removal of all fraudulent items from my account. Additionally, I expect compensation for any financial losses incurred as a result of the unauthorized transactions and the inconvenience caused by your institution 's failure to address this matter expediently.

Furthermore, I urge you to conduct a thorough review of your fraud detection and prevention protocols to prevent similar incidents from occurring in the future and to enhance the security of your customers ' accounts.

Please acknowledge receipt of this complaint and provide a timeline for resolving the issue. I expect regular updates on the progress made until the matter is satisfactorily resolved. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four bank credit card inquiries And none of the credit bureaus could help me. I never applied for this Cards and every number I call I just get the run around. How could I fixes this in order to have it removed, otherwise Ill be stuck with it for two years.
Product: Credit reporting or other personal consumer reports

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 This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Product: Credit reporting or other personal consumer reports

I am not able to retrieve my credit report in any way. I have tried using XXXX along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents XXXX from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- XXXX XXXX methods. I reached out to all three credit bureaus XXXX, XXXX, and Equifax to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. XXXX removed the account from my report due for several reasons. XXXX, Equifax and XXXX continue to validate this incorrect information but provide no evidence after multiple re-investigations. XXXX XXXX XXXX is required to report the same information to Equifax, XXXX, and XXXX. and each are required to report the same information which is not happening. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. XXXX currently reports no payment history at all for this account. Equifax is still missing data. But the only resolution is deletion since one bureau has already determined the information to be deleted. Further, XXXX and equifax continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because XXXX and equifax refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal and civil litigation will be sought pursuant to FCRA violations and damages
Product: Credit reporting or other personal consumer reports

I have lost count of the number of correspondences I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be adequately addressed. Once again, I find myself compelled to dispute the fraudulent information that continues to tarnish my credit file. Despite my submission of the requisite FTC complaint, your bureau persists in reporting these fraudulent accounts on my credit report. It is important to note that I have already contacted the associated banks, provided the necessary documentation, and successfully had the accounts removed from their records. Furthermore, other credit bureaus have already expunged these accounts from their reports following the submission of the FTC complaint. Thus, I am perplexed by the verification process your bureau has employed to justify the continued reporting of these fraudulent accounts. I'd like the accounts deleted from my file : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX/XXXX/2016, I wrote a check number XXXX to XXXX XXXX in the amount of XXXX. The check was returned for NSF. The check was presented a second time to my bank and clear on XXXX/XXXX/2016. I was never contacted by XXXX XXXX, Telecheck, or TRS Recovery Service. I considered this incident closed. I subsequently attempted to write a check at another merchant and that check was declined. When I contacted the XXXX number provided on the declined check, I was routed to TRS informing me that I owed a debt of XXXX + XXXX for returned check fee. I was also informed that no further checks would be approved until this debt was satisfied. I informed them that the check had been resubmitted and the full amount had been debited from my account on XXXX/XXXX/2016 so therefore there was no outstanding debt. They indicated that it would take at least 10 business days for the status to update and during that time, no checks would be approved by Telecheck. I spoke to a supervisor at Telecheck and was informed that I should fax proof that the check had been paid to their " resolutions '' department. I did that on XXXX/XXXX/2016. On XXXX/XXXX/2016, I spoke with XXXX different representatives from Telecheck who still maintained that my account was showing that there was an unpaid debt despite receiving information showing that the check hand been paid. They indicated that even though the information had been submitted to the resolution department, it would be XXXX30 days for them to " research '' the matter and during that time, my checks would be declined at any merchant that uses Telecheck ( which is essentially ALL merchants since most merchants in my area use Telecheck ). I was told that if I paid the debt directly to TRS that day, that my account would be updated within 24 hours and my checks would start being approved on XXXX/XXXX/2016. Because I rely on my ability to write checks, I was coerced into paying the XXXX + XXXX for a total of XXXX to TRS in order to clear my account and provide me with the ability to have my checks approved again within 24 hours rather than having to wait the XXXX30 days it would take for Telecheck to " research '' and update my file appropriately. Because of Telecheck 's refusal to update my record in a timely manner, I have now paid the same debt twice PLUS and additional XXXX NSF check fee.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters requesting the deletion or removal of the Bankruptcy information listed on my credit report. The last letters where sent XX/XX/year>. In Summary the letters stated " I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ) .I am demanded to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
I did not provide any written instructions to report this information, and no consent is present. Ive also filed an FTC report for FTC Report XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE
Product: Checking or savings account

Hello and thank you for helping out! I was in contact with Wells Fargo agents previously who helped me file a claim on my personal account however, I believe two of the charges were reversed, and I just wanted to provide the approved police report claim who investigated. I would like to have the account brought current. Thank you
Product: Credit card

I am quite sure that Synchrony Bank, which issues both the XXXX MasterCard and XXXX Visa, has been charging many or most of my XXXX purchases to both cards - in fact charging me double. They have probably been doing this to thousands of other people as well. I have used the XXXX Visa almost exclusively since XXXX, yet my XXXX MasterCard bill for XXXX is double what it was before. I first discovered this when I noticed I was not getting the promised 3 % cashback on XXXX Visa purchases. This was because all of them were listed by Synchrony Bank as " XXXX, '' although I do n't even have this card as a XXXX payment method : XXXX MasterCard is the only credit card I have listed on XXXXl as a payment method. ( It would not even be possible for me to make a XXXX payment from XXXX Visa, yet all my XXXX Visa payments are listed as " XXXX ''! ) Now I find that they have been charged to XXXX MasterCard, through XXXX and also to the XXXX credit card that I used directly. My XXXX MasterCard bill currently is over {$480.00} although I have scarcely been using this card since XXXX, and double billing is the only possible explanation. I am saving the complete lists from both cards, and find they are almost but not quite the same - often a few cents difference, to the same recipient on the same day. This may be a way of disguising it. But I have no doubt that this is what they are doing.