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

My account was charged fraudulently for two identical transactions on XX/XX/2023. I submitted a claim and both charges were temporarily credited to my account. A month later, the bank denied the claim for one of the charges and {$500.00} was taken from my account. I do not recognize the vendor and have never made a transaction with them before. The bank refuses to return the {$500.00} after I have called and complained several times. This account is linked to my mortgage and now is at {$0.00}. Please help me recover the funds.
Product: Debt collection

In XXXX of 2016 I purchased a 50 week timeshare for {$13000.00}. I had 25 years to use it. I paid approximately {$3500.00} down and had a loan of about {$250.00} a month. I paid that {$250.00} for about 2 to 2.5 years. I went thru a divorce and couldnt afford it. 

I understand I had a loan. What I dont understand is Ive paid {$9000.00} and recieved essentially nothing except a right to use something I havent used. 

In addition to that the original creditor had it transferred to collections and the collection company is adding to the total each month. The balance is now {$9000.00} on my credit report. 

I believe Ive already paid {$9000.00}. In my view they got {$9000.00} free, giving nothing. 

Hypothetically would I even receive the 50 weeks if I do pay it off. I dont believe that the case. I feel this is unfair. Im ok walking away from the {$9000.00} paid. And getting nothing in return. Id like the item removed and blocked from my credit report and these tactics investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

On Friday, XX/XX/XXXX I noticed a check had been written on my checking account that was a fraudulent check. Check was for {$2200.00}. I called the " help line '' for Truist Bank. Told them what happened. I THOUGHT they filed a claim for me for the bogus check. I also THOUGHT they had put a block on my account so no more charges could go through on my account until I could get in on Monday to close the account. On Saturday, XX/XX/XXXX I also found some fraudulent charges on my husband 's debit card. My husband had been deceased 2 weeks at this point. I once again called the bank to notify them of these fraudulent charges. On Monday, XX/XX/XXXX I went to a Truist bank to close out my checking account. I was notified at this point there WAS NO BLOCK on my check account. So, it was unprotected from Friday until Monday where people could have put more charges on the account. Account was closed and a new account opened. Today, Tuesday, XX/XX/XXXX, I have been notified that a claim was never filed for the {$2200.00}. WHY? That's why I called the bank in the first place on Friday. Second thing today, the bank wanted to know where I kept my checks. Of all the stupid questions!! Anyway, to say the least, I am highly irate. Why has the bank done nothing to help after I noticed fraudulent behavior. The only person that's been halfway helpful is the women at the bank who helped close my account.
Product: Credit reporting

I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company 2 series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX XXXX XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also 2 documents and I 've gotten XXXX response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything. 

I guess money makes the world go round but still I need help getting this resolved. Let me know if you need anything further but I 'll keep sending certified mail. 

thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX # XXXX, XXXX # XXXX, XXXX 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 agency can not furnish an account without my written instructions
Product: Checking or savings account

Frequently, my bank, Ally Bank, will unilaterally halt activity on my debit card and force me to call them, authorize via a set of security questions, and receive an XXXX message on my phone to unlock my card. 

There is no way to change this setting or configuration on my account. 

I live in a wooded area which sometimes has poor cellular reception. Without the XXXX  message to my phone, Ally will not unlock my debit card, despite proving authenticity with my social security number and security questions. 

If I am not lucky enough to receive the XXXX message, they refuse to unlock the debit card. I must wait to speak to a person in an office which is only open during bank business hours and which has a special phone number only accessible through frontline support. 

Through this new policy/program, Ally is actively and frequently denying access to consumer funds for absolutely no reason. 

This occurred on the following dates : - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above. 

- XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.
Product: Money transfer, virtual currency, or money service

I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX IL. I live in XXXX  and the job was supposed to be done in XXXX IL. The XXXX told me that he is doing the work and sent me fake photos of material and the job location. The imposter XXXX did not do any of the work. The job was never started and the XXXX took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. 
The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$4000.00}.
Product: Credit card or prepaid card

I made two payments through my banks bill pay one for {$1200.00} and one for {$300.00} to my XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2022. Payment was made through XXXX XXXX XXXX XXXX. Comenity took my money but has not credited my account for the payments. I sent them receipts from my bank, proving that I made the payments. They refuse to remedy this, despite repeated emails. They put me on hold every time I call, then after XXXX minutes, I am disconnected. They have some lame excuse about a systems upgrade on their web page. I notice on social media they have been flooded with complaints. I cant even reach someone to close my account. Its infuriating! If theyre not going to post my payments, I want my money back!!!!
Product: Student loan

I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquries XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX ph # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax, XXXX, & XXXX about information being reported on my credit that is not mine. I also spoke with my local court who informed me that they did not report a bankruptcy or any other information about me to the credit bureaus or anyone else. I don't feel as if they should be able to report inaccurate unverified information about me that is tarnishing my credit. I want this issue resolved immediately.
Product: Credit reporting 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. 

Account name : 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 Account XXXX : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

XXXX5 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Bank of America reversed a fraud claim - at my direction. The charge was re-instituted on my credit card, and I paid the approximately $ 2,500- {$3000.00} fee. Bank of America recognizes that I have paid said fee. 

However, pursuant to my conversations with the merchant, Bank of America apparently did not repay the Funds to the merchant. The merchant is threatening to send the balance to collections if I dont pay the due sum ( which I already have ). Bank of America has been contacted multiple times and has refused to resolve the issue, despite months of phone calls/complaints/etc ... 

At this time I consider Bank of America as having stolen the balance of this $ 2,500- {$3000.00} amount from me personally, and consider that they are refusing to resolve the problem. I have spent over 6 months trying to resolve this issue, and tens of hours on the phone of my time, yet Bank of America has done nothing but make false promises and transfer me from department to department.
Product: Debt collection

Received a call today from GB Collects, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ph XXXX XXXX XXXX. They told me my husband owed a medical bill from XXXX XXXX from XX/XX/2017. I told them this was not possible as we had no XXXX  XXXX in XX/XX/2017. He continued to insinuate I owed money and was probably in trouble. I asked for the social security number the medical bill was for, he did not have that info. I told him he was mistaken and I felt he was a scam. He tried calling once more, I did not answer. 

I saw one other complaint on this company for repeated calling to seniors about debt no owed.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to remove some entries from my file due to incorrect information reporting. However, there remain entries that still need to be addressed. This is to formally dispute these remaining entries as inaccuracies in my file resulting from reporting errors. I confirm that these disputed items are not related to any transactions involving goods, services, or money that I have conducted or authorized. I request the removal of these inaccurately reported items from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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  These items are unfamiliar to me, and their reporting by your bureau is inconsistent with their deletion by others, raising concerns about their accuracy. The history and dates of these reports are unclear, adding to my concerns. As stipulated under FCRA 605B ( c ) ( 1 ) ( C ), I request the removal of these inaccurately reported entries. I appreciate your prompt response to this matter and look forward to your resolution. Thank you.
Product: Debt collection

I asked for validation from medical data systems complaint number XXXX they they have not provided it according to the fdcpa and the are reporting incorrect information on my credit report according to the fcra. They stated they do not own the account nor the debt well if you look back at the complaint number listed above you will see if clearly states this communication is from a debt collector so they is giving false information out and they is not compliant with the fdcpa laws. They are a debt collector and i do not have to pay them anything regardless of who they work for and i do not owe them anything and they can not prove that i do. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I am requesting proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
I am asking theyPlease attach copies of : Any agreement with your client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against them is covered under the penalty rules of the Omnibus Final Rule effective 09/23/2013 interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as  issued 11/30/2009 and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective July 1, 2010.I want this inaccurate information deleted off my credit report and i will continue to file a complaint under my voice id heard my the cfpb and ftc.
Product: Debt collection

I owed a debt in XXXX to Wells Fargo Bank. I was contacted by XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) demanding {$1100.00} by XXXX/XXXX/XXXX. This was sent in and this collection agency sent me a letter showing I had a XXXX $ account balance and that I was Released from all claims and liabilities pertaining to the above referenced account. I recieved a phone call last week ( XXXX/XXXX/XXXX ) from the XXXX XXXX XXXX XXXX ) XXXX attempting to collect the same debt from five and half  years prior, for which I have the written proof that it was paid. I have a message from them stating they were planning on taking me to court and if they did not hear back from me they would talk to my HR dept to garnish wages. When I called XXXX XXXX, the paralegal reported that a letter was sent 45 days prior ( which I never received ) though when I asked for a tracking number she said it was not sent with one. I then submitted copies of the documentation showing payment in full from XXXX to a paralegal I spoke to at XXXX XXXX. She said I would be contacted by one of their attornies in 2-3 weeks supposedly to confirm the documentation. When I asked for a confirmation letter from her, the paralegal said one could not be furnished. I also tried to contact Wells Fargo overdraft collection delartment MULTIPLE times ( 8 times over the course of the morning/ early afternoon ) on XXXX/XXXX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I was disconnected or told to call back at a later time. I also on the same day ( XXXX/XXXX/XXXX ) tried to get their collections dept. to help me which they could/ would not. My goal was to get this confusion taken care of. I tried calling the original collection agency from XXXX ( XXXX XXXX, XXXX ) however the numbers on the paperwork are out of service. The whole situation is disconcerting ; i would hope a large corporation like Wells Fargo would keep more accurate records. It feels as though they are trying to take advantage of me. I am now concerned because Im afraid the new collection agency is going to say because the original collection agency is now longer around, that i still owe the money. Thank you.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports that I did not benefit from. I have disputed the same accounts to no avail, and they still refused to provide proof of GAP Insurance paying them, or proof of them selling the car since it was returned. I never gave them authorization to use my identity to send the account to collections. I need these accounts removed immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following items in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received from Chase Card Services 2 letters ( one on XX/XX/2024 and XX/XX/2024 ) rejecting 2 applications to CHASE FREEDOM FLEX World Elite account which I DID NOT APPPLY FOR. Chase is checking with XXXX XXXX and my credit report is reflecting these fraudulent applications. 

When I called CHASE ( XXXX ) the very unhelpful agent was not able to find the applications using the reference numbers in the 2 letters ( XXXX and XXXX ). Chase allegedly based their decision on the assumption that I have obligations too high relative to income which is NOT true because I had a credit score of XXXX and income over {$350.00} a year. Our obligations ( mortgages ) total {$660.00}. Chase keeps summiting fraudulent applications and rejecting them. Each time they check my credit report, it is lowered
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable and reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of debt dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX  in the amount : {$25000.00} and XXXX XXXX in the amount : {$30000.00} ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately