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

On XX/XX/XXXX, I contacted our primary bank to notify them of several fraudulent charges that were made through our Checking account. These charges amounted to almost {$5000.00} and the merchant description was in XXXX XXXX, whereas my husband and I were both in XXXX XXXX, Texas XXXX at the time the charges were made. The exact charges are listed below all one after the other and all processed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} At the time the person we spoke with stated that the fraud was an online charge against my husband 's debit card. A new debit card was issued and an investigation was opened. We were told we would receive text message updates on the claim. We were refunded the amount that had been debited from our account at that time. 

We never received any text messages from the bank and only realized any communication was sent after the funds were reversed from our account on XX/XX/XXXX. Upon calling the bank I was notified that a letter was sent to me virtually letting me know that my claim had been denied and that the funds would be reversed. The online fraud department explained that an investigation had been completed, although no additional information had been asked of my spouse or me, and they found that the transaction had been authorized by facial recognition or biometric technology and therefore denied. Although we have proof that my husband was not in fact in XXXX XXXX at this time and therefore could not have used his face to authorize these transactions, I was told that there was nothing that could be done. 
On the same day, XX/XX/XXXX, my husband spoke with a different representative and explained our situation. She stated that she would reopen the claim and asked my husband to provide the receipt that he had saved from the restaurant in XXXX XXXX we had visited that evening. 
On XX/XX/XXXX, my husband visited a local branch to speak with someone and fax the receipt with the reference number to the online fraud department as requested. 
To be respectful of the holidays and give time for someone to process the information, my husband waited until XX/XX/XXXX to contact the online fraud department again to see if any additional information could be shared on our claim. He was told a new claim was never re-opened and that nothing could be done. When he asked if he could speak with a supervisor he was told that they were not accepting calls. He called two additional times on XX/XX/XXXX and was met with more roadblocks and no additional answers on what could be done to help us regain the money that was stolen from our account.
Product: Checking or savings account

Ive had Navy Federal since 2018 and Ive been charged overdraft fees Randomly when I have the money in my account.
Product: Credit card or prepaid card

I filed for pandemic unemployment assistance around XX/XX/2020. I received my debit card in the mail on XX/XX/2020. I made several charges using the card on the day of XXXX, but was hospitalized for a XXXX in my XXXX XXXX XXXX on XXXX. My house was burglarized while I was admitted  to the hospital. My personal belongings ( cell phone, wallet, ID, SSN card, car keys, tools etc. and identifying information were stolen. I filed a police report to document the burglary. My XXXX account was hacked and compromised, presumably by the burglar. I was unable to verify my ID or regain access to my cell phone service ( and consequently, 2 factor authentication for my XXXX account, XXXX and related accounts ). I assumed incorrectly that the burglar would be unable to certify for benefits and that my money would be safe, until I received tax documentation showing that almost {$30000.00} was disbursed to my account over the course of the pandemic, for which I am legally liable, despite having never received them. I have filed identity theft affidavits with the IRS, FTC, and all three credit agencies. I have several accounts on my credit report that were opened fraudulently, and disputes are ongoing. I attempted to contact Bank of America in order to dispute the fraudulent charges made to my account. The customer service agents I spoke to ( over half a dozen calls, at least an hour long each ) incorrectly filed my dispute as two separate disputes, and for the wrong amount, omitting almost {$10000.00} of transactions I told them explicitly were fraudulent. The claims, which were defective in the first place, were ultimately denied despite the preponderance of evidence showing the charges were fraudulent. I have also attempted to have a new debit card mailed to me so that I can access the remaining balance on the card, and despite receiving emails showing that my card had been mailed, i never received it. I called two weeks later and was informed that there is a block on my account and that I would have to verify my ID in person at a local branch. However, I was able to verify my ID multiple times ( 10+ ) while filing the disputes, answering security questions, etc. Suddenly they are unable to verify my ID. My attempts to escalate my calls have been answered by customer service reps hanging up the phone on me multiple times, requiring me to completely start over the process of filing the claim multiple times. I have spent a ridiculous amount of time on the phone with bank of America for nothing. I have a valid ID.me account that they refuse to accept as valid identification despite having used the service in the course of verification for XXXX in the first place. Bank of America has, in effect, allowed fraudulent charges to be made by another individual, which I am explicitly protected from by the terms and conditions of my account.
Product: Mortgage

I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024 I noticed inaccurate information on my consumer report and sent a notice of dispute requesting an investigation be completed by the XXXX major credit bureaus. Included in the dispute were XXXX XXXX XXXX & XXXX XXXX XXXX ; XXXX. After the investigation procedures were completed, the results were sent XX/XX/year> and Experian determined it would remain on my report. On XX/XX/year>, I sent a notice of dispute to Experian requesting validation of the allege debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I explained that If their offices fail to respond to the validation request within XXXX days from the date of the receipt, all references to the account must be deleted and completely removed from my credit file. Not only did they not respond within XXXX days, which is required under the FCRA, but they didn't send any requested documentation validating I owe the allege debt required under the FDCPA. On XX/XX/year> I sent Experian a final notice explaining their completely unfair use of my consumer report and disregard for reporting accurate information according to the law. I explained how their continued reporting of invalidated information to my consumer report might constitute fraud under Federal and State Laws and my potential intent to sue should the issue not be rectified immediately by Experian 's offices.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I challenged US Banks Financial Institution on the erroneous inaccuracy that was reported to XXXX XXXX after a long intensive investigation XXXXXXXX XXXX removed the account off my consumer report on XX/XX/XXXX. Unfortunately when I try contacting US Bank Corp they refuse to be compliant with removing this account out of their system, even after I have supplied them proof of removal with documentation to prove it was removed off XXXX XXXX due to the inaccuracy and still they continue to be non compliant with my request. On XX/XX/XXXX I went inside the branch and tried to get assistance with a manager however it was still a discrepancy between the back office and the account was still showing up unfortunately this has caused chaos and is a clear violation of my consumer rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account with XXXX/COMENITY/XXXX
Product: Credit reporting or other personal consumer reports

I have had chime credit builder for over a year and they have failed to report anything to my credit report that would have helped build my credit like the card is designed to do.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.
Product: Debt collection

Today on XX/XX/24, I was notified that a representative of Columbia Debt Recovery DBA Genesis Credit Management reached out to my mother about a debt that they claim I own.
Product: Mortgage

For the last 2 months, I have ran behind on my payment, but way within my grace period. Example bill due XXXX each month. I start getting unkind calls on the XXXX. Last month it was already in the mail, when they called. Prior to this, it was paid on time, before time. If I paid extra on principle, they never applied. Placed in holding
Product: Debt collection

I payed off half of my credit card bill with the promise that the next payment would automatically be taken out the next month ( XX/XX/2018 ) I canceled the card at that point. For whatever reason, the debt collector did not take my automatic second payment which we agreed upon and now I owe a past due amount of {$130.00} in total. I do not want to do this because it was an error on their end. The collection agencies for XXXX XXXX are relentless and they call me all day and all night from random numbers, including XXXX area codes and no name numbers. I spoke with XXXX XXXX about this as well and they were no help whatsoever. I only used this card one time and canceled it with the acknowledgment that the second and last payment was going to be taken out of my bank account in XX/XX/2018 and this is still happening, ruining my credit score and accumulating interest.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account XXXX  XXXX  Account # XXXX for violations of FCRA Section 611 for RE : Insertion of Account with no notice within 5 days of Re : Insertion ; and also Section 623 XXXX  XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Also per Regulation F 1006.34 never received form B-1, notice of disclosures, prior to inital reporting of account. After multiple RE : Investigations never received request for Account Level Documentation Forward Flow Sale or ownership documents with tracking numbers ; certified return receipts with delivery confirmation signed by me. They have never followed proper procedures, and guidelines of governing bodies. 

Accuracy of Report According to reference statues and laws Cushman vs TransUnion 1997 Teri Lynn Hinkle vs Midland Credit Management John Stevenson vs TRW 1993 Richardson vs Equifax XXXX  XXXX, TransUnion, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. This is a last ditch effort. I have filed multiple complaints with the BBB, CFPB, and, XXXX, Trans Union, and XXXX  XXXX Please reference all credit reports and files attached to complaint as exhibits and evidence of XXXX  XXXX   failures to follow FCRA, FDCPA guidelines, regulations, and laws. And timely following procedures, protocols and execution of responsibilities. 
This account first appeared on report dated XX/XX/XXXX with only XXXX as reported account. 
On XX/XX/XXXX report separate XXXX XXXXXXXX  account was Re : Inserted to report and XXXX was Re : Inserted Date Opened : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Reported : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Do not match Trans Union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment History : Do not match XX/XX/XXXX XXXX Reporting account Charge Off XX/XX/XXXX XXXX XXXX account OK XX/XX/XXXX TransUnion no report Payment Status : Do not match TransUnion Charged Off ; XXXX Charged Off XXXX Late XXXX  days Past Due : Past due balance on a charged off account TransUnion no data XXXX XXXX XXXX XXXX Account deleted from credit report dated XX/XX/XXXX for XXXX, and XXXX no deletion for TransUnion account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX  Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Product: Debt collection

I am currently behind in payment on my account. I again have been receiving several calls a day after one voicemail has been left. After a voicemail has been left there continues to be calls made on the same day. Today XX/XX/XXXX I have 2 voicemails from them and have the voicemail logs and call logs. I have previously made a complaint # XXXX and this action still continues to happen knowing they are in violation. I want the balance of XXXX taken off due to this 2nd violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a charge on my XXXX credit card. I never received a bill until XX/XX/XXXX because they changed to paperless billing. I was alerted by XXXX  because our credit rating went down. We paid {$110.00} balance off immediately and closed the account. Unfortunately it has been listed as a 90 day over due and delinquent which caused our rating to go from XXXX to XXXX. We appealed to XXXX, XXXX  and XXXX and they continue to deny our appeal to remove the delinquency. I have had this card for 26 years and always always paid on time. Please resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; DUE TO RECENT NEW LOAN REFI APPLICATIONS. I HAVE DISCOVERED THAT A COMPANY OR GOV ALINED ENTITY ; MAY HAVE POTENTIALLY BEEN USED TO DISSEMINATE AND DISCLOSE UNLAWFUL ; HARMFUL ; OUTDATED ; DISCHARGED BANKRUPTCY. AS A RESULT OF POTENTIAL DISCLOSURE AND PRIVACY ACT ABUSE ; MY CURRENT LENDER/BANK OF AMERICA , I BELIEVE BOTH DOCS AND RECORDED CONVERSATIONS SHOW THAT BOFA ARE TRYING TO USE MY OLD DISCHARGED XXXX IN VIOLATION OF RLE AND BK CODE. THEY HAVE MADE THREATS AND TRIED TO FORCE ME INTO A LOAN MOD THAT CONTAINS FALSE MISLEADING INFORMATION IN ADDITION, A COMPANY NAMED " XXXX XXXX '' HAS OBTAINED W/O MY AUTHORIZATION MY OLD BK DISCHARGE RECORDS AND DISTRIBUTED THEM WITHOUT MY PRIOR AUTHORIZATION. IN ADDITION, XXXX XXXX AND XXXX XXXX. PULLED AN [ UNNAUTHORIZED HARD COPY ] OF MY CREDIT REPORT. WHICH CAN CAUSE NEGATIVE POINTS AGAINST MY CREDIT. ( I ) NEVER AUTHORIZED XXXX TO ACCESS XXXX OR DISSEMINATE AND DISCLOSE PRIVATE PERSONAL FINANCIAL HISTORY RECORDS. HOW DO I STOP THIS ABUSE FROM HAPPENING? A LAW SUIT?
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Discover Bank XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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: Vehicle loan or lease

Hello! My name is XXXX XXXX. I went to a dealership, I had purchased a vehicle from ( XXXX XXXX XXXX XXXX XXXX XXXX ). Iwas dealing with the same sales person ( XXXX XXXX ) from aforesaid vehicle. After about a year, the truck started to rust very badly. I spoke to the car salesman about the vehicle, he said trade it in. It took me a couple of months, but I did. The salesman said the financial company wouldn't buy back the truck. But he had a guy that would take on the payments. Me eager to get rid of the bad shape truck went for it. They scammed me, the truck is stuck @ the dealership, flat tires and the financial company says i have to tow it to voluntarily surrender the vehicle. I have text messages from the sales person, and the scam artist. I just need to know what i can do about this situation, thank you. XXXX
Product: Debt collection

XXXX XXXX  continues to call claiming I still owe money to Citi Bank. I paid XX/XX/2019 a different collection agency through docusign {$850.00}. They claimed that sometimes consumers forget they had this account. Now another Citi Bank collection agency is claiming the same thing. I'm doing some investigation into I believe another Citi Bank pay off that my wife believes she has paid in the past years. All my accounts are on automatic payments. I use my XXXX XXXX card which is where our income is direct deposited and we use XXXX XXXX for our business related expenses. I believe Citi Bank is fraudulently chasing consumers and threatening with litigation to force payment for false accounts.
Product: Credit card

In XX/XX/year>2024 I was late on my PNC credit card. This was my XXXX  late payment in any account. When attempting to make the payment, PNC notified me they had trouble processing that payment so I paid the balance in full in cash at the branch. XXXX week later, PNC processed all XXXX previously declined payments. When I contacted PNC, they stated they would send me refunds for my overpayments in the mail via check. When I received the checks, I assumed the situation was resolved. Later that month, I discovered PNC had processed each refund XXXX which racked up a balance on my card. When I went to the branch to speak with a banker, they admitted this was an error. They then stated they would refund the balance as it was a clerical error and close out the card once the balance was XXXX. They closed the card there on the spot without notifying me. I was told I would receive a letter in the mail when my card was closed which I never did. I had attempted time and time again to get this issue resolved before my payment due date but could not get a resolution. My credit score dropped over XXXX points overnight because of PNCs mistakes.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I paid XXXX installment loan payments online via the companies mobile app. I made both payments and on XX/XX/2021 I went onto the pay to pay XXXX payment. I noticed that after getting charges for the banks paid premium checking account that I having issues with funds being moved into the checking and savings account causing late payments and multiple over draft fees. I attempted multiple times resolve with the branch and was able to recreate the issues multiple times for the online support and in a branch but the bank refuses to remove the error of the incorrect reporting. The bank via the app does not provide any confirmation numbers
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( I provide them with my insurance information and insurance was never billed )