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

On XX/XX/year>, the company XXXX charged my debit card with a transaction of USD XXXX. I didn't notice this fraud because the bank never sent me a notification. On XX/XX/year>, this company again tried to charge me USD XXXX XXXX times. This time, I received a message from Bank of America to confirm the transaction, so I responded with " no '' in the app. Despite this, the transaction was approved by the bank, and the company charged me the USD XXXX in addition to the earlier USD XXXX. 

I called in the early morning of XX/XX/year>, around XXXX XXXX, to report these transactions as fraudulent because I did not authorize them. They gave me a claim number : # XXXX. 

On the afternoon of XX/XX/year>, I called the bank again to find out the status of the claim because I had not yet received my money back. The representative said that my claim was denied because, according to them, there was no use of aggressive force on my account and the person who made the transaction knew how much money was in the account. This is untrue because they tried the second transaction four times, and the bank approved it even though I had declined it. They also state that I continued to use the account normally after the USD XXXX transaction on XX/XX/XXXX. This was because I had not been aware of the transaction until XX/XX/XXXX, when they sent me the message for the USD XXXX transaction, which I declined. After the XXXX transaction the account had not use and I reported the transaction on time. 

On XX/XX/year>, I responded with a letter to reopen the claim and faxed it to ( XXXX ) XXXX, explaining the reasons why it was not me and why their reasons for closing the case were invalid. I also stated that they had violated the correct procedure. ( Attached is the fax that I sent. ) The dispute lasted only eight days before they canceled it for the reasons mentioned, which is a violation of my rights and the law. They did not give me a temporary credit for my money and never revoked the transaction from the merchant. Everything was handled internally, which is a violation because, by law, they must contact the merchant about the disputed transaction, and the merchant has 60 days to respond. This is the correct process to follow. They can not reach a decision without first completing the proper process because this violates my rights as a consumer and the laws. 

After I sent the fax appealing the decision, today they closed the claim again, this time without any explanation. 

I am asking that the correct process be followed and my money be returned because I did not make these transactions. This is an injustice and a violation of my rights and consumer protection laws.
Product: Checking or savings account

I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.
Product: Debt collection

On XX/XX/XXXX, XXXX I sent Caine and Weiner a letter to validate an account they have placed on my credit report that is NOT mine. It is now XX/XX/2022, and I still have not received a response. Ive included the certified letter I sent as well as the credit bureau report.
Product: Credit card

WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?
Product: Debt collection

Company is not authorized to collect debts in florida or Georgia. debt amount is XXXX this is an unauthorized debt
Product: Credit card

I made charges on my Citibank credit card account ending in XXXX. Citibank accepted those payments. They then locked my card. I then paid off my card in full and they accepted payment on XX/XX/2024. They will now no longer allow me to use the card BUT NEVER TOLD ME SO! They are defrauding me by telling me that they accepted payment yet are failing to allow me to use the card. IN fact, I have tried o use the card and have been damaged din the process while it is being declined.
Product: Credit card or prepaid card

I was told it is a gift voucher and was given a store card by forever 21 which involved a lot of paperwork. Back then I did not know what a store card was. This was on XXXX XX/XX/XXXX. I received mails from them and I thought they were promotions for forever 21. When I received these mails every month. I opened a mail on XXXX XX/XX/XXXX to find that I had to pay XXXX USD. I called customer care the very next day and it is very hard to reach them. I paid the amount and asked them to close the card on XXXX XXXX XXXXThey promised me that I wont incur anymore charge from their side since the card was closed. To my horror I incurred XXXX USD by the month of XXXX. I call them up just to find out that there was a hidden XXXX USD which accumulated interest and a late fee to become XXXX USD. They promised me that there wont be any more fee if I pay this XXXX USD. I paid the same hoping this matter is closed once and for all. I receive a mail from them in XX/XX/XXXX that I have to XXXX USD by XXXX XXXX XXXX. I am bleeding and this is not fair. Neither customer support nor their chat is useful. I need justice. When I narrow down on the statements. They are just interest and late fee on the interest even after the card and account are closed. How many times should I keep paying.
Product: Credit card or prepaid card

I have two credit cards with Amex : XXXX XXXX XXXX XXXX Amex Gold Card for American Express Gold Card, there is no foreign transaction fee and I have to pay annual fee of {$250.00}. I had an oversea trip scheduled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I lost my gold card 2 weeks before my trip and I called Amex to send me a new card, I asked them since I am traveling overseas, I need my gold card to be delivered before my departure ( XX/XX/XXXX ). My card shipped on XX/XX/XXXX and got delivered to my place on XX/XX/XXXX, 4 days after my departure. The only option I had was to use my XXXX XXXX XXXX while I was away. When I came back I noticed that I got charged for a couple XXXX dollars on my blue cash everyday card for the purchases I made overseas. Also, the Gold Card that got delivered on XX/XX/XXXX, got stolen bc of improper delivery and I had a charge of {$2000.00} which wasnt not mine. Amex recognized the fraud and emailed me a new gold card in less than 48 hrs. I called them and asked them if the overnight delivery was an option why did not apply to my XXXX replacement? and since it was not my mistake, they should either refund me for the foreign fees or give me rewards point on my cards. They rejected my requests which is a significant hardship on me bc of Amex mistake. I want to get the fees back and report this issue to you. Thanks.
Product: Checking or savings account

On XX/XX/year> I was sent the amount of {$14000.00} from XXXX months of backpay with my job. They sent it through XXXX, which is how I usually get my payments. I then sent it from XXXX to my bank account because I needed to pay my rent along with my car payment are already back due and I have 10 days before my car is repossessed because Ive been waiting on XXXX months worth of payments for my job, but now Chase bank made me do XXXX verification calls because I was trying to send a wire for my car payment with the funds I transferred from XXXX after the verification called the second time she told me everything was good and to resend the wire once I did they marked it for fraud and immediately closed my account. I then went to the local branch where they continued to try and help me, but couldnt understand why my account was being closed because they need to verify the Funds, so XXXX is holding {$14000.00} of mine for 10 days to verify, and then they will be sending a check and immediately closing my account. I explained to them Im going through a hardship and really need this money. Otherwise I will lose my car and more than likely my house. They proceeded to tell me theres nothing they can do to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX MI XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 


In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

Cash app has allowed XXXX to take money out of my account with me having them blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my Equifax Credit File. I immediately logged into My Equifax and saw a posted Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting XXXX, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with XXXX. 

I filed a dispute with EQUIFAX to remove this erroneous inquiry but EQUIFAX simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to XXXX. 

I am requesting that Equifax DELETE this erroneous inquiry which according to XXXX does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union keeps reporting a late payment on my credit report. I dispute it and it goes away. Then it reappears on my credit checks. I believe Trans Union is intentionally doing this in order to skirt the law and have me pay for another credit report after the one free one allowed per 12 months by law.. Trans Union also reports a " hard hit '' on my credit report whenever they " fix '' my complaint making it appear as I am applying for credit from another company.
Product: Debt collection

I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. 

Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX and got paid by a customer with a cheque which I deposited in my account, the bank XXXX XXXX XXXX XXXX XXXX closed my account, they said because they could not locate the account. 

My credit score on the Banks app shows fico XXXX points and when the Bank closed the account it was reduced which is understandable, I reported the issue to Transunion and I got a report that was even worst, it says my fico score is XXXX. 

Last month XXXX the fico score got more reduced, I want redress and compensation.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX ( {$270.00} ), and XX/XX/XXXX ( {$430.00}. Police reports filed in the state of which I reside. Disputing the validity of the debts with the credit bureaus with validated status returned with no proof of claim. I'm not sure how theses accounts were opened and being reported in my name but i've stressed nearly all resources to get them resolved. Contacted company requesting validation of debt but have yet to receive anything from them.
Product: Checking or savings account

Ally Bank deducted {$170.00} from my checking account ending in XXXX for ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX UNITED STATES on XXXX XXXX. THIS WITHDRAWAL IS FRAUDULENT> IT WAS NOT MADE BY ME AND NOONE ELSE HAS MY CARD ( now inactivated ) OR MY PIN!!! 

ALLY BANK refuses to reverse this charge despite my complpaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023. 

ALLY BANK is in receipt of a police report from XXXX XXXX XXXX XXXX XXXX Case Master Report XXXX Date Initiated XX/XX/2023 Additionally, DESPITE ALLY BANK 's RECORDS THERE IS NO ATM AT THE GIVEN ADDRERSS!!! 

THIS IS OUTRIGHT FRAUD AND MY {$170.00} NEEDS TO BE REFUNDED IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). TransUnion and XXXX have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Product: Vehicle loan or lease

( CREDIT ACCEPTANCE CORP NJ COMPLAINT ) Credit acceptance Corp, inside of XXXX XXXX XXXX in XXXX, New Jersey, is the financer for vehicle said in statement. They had me at about 23 % interest rate with a {$390.00} payment for a XXXX XXXXXXXXXXXX XXXX with XXXX miles on it. 


Early last year I purchased a vehicle from XXXX XXXX XXXX in XXXX, New Jersey, from the beginning the car had issues. It would shake violently, mind you this is right off of the lot, I had to bring it back to the dealership to get fixed. It took them about 34 days to fix my new vehicle, and I was out of my new vehicle for 34 days. After everything was fixed my vehicle drove okay besides a TPMS code going off. I was driving my vehicle about 2 weeks ago and my transmission went out of nowhere without any sort of noises, feelings, or just general malfunctions. I understand that credit acceptance Corp is already in a lawsuit with your organization and the state of New York, I wanted to let you know that this is also happening in New Jersey. They are financing lemons to people that are desperate for cars, hiking up their interest rate, and taking advantage of them. 

Thank you for reading this and taking the time out of your day, I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXX AND XXXX AND EQUIFAX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT XXXX XXXX MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX OR XXXX XXXXND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXXXXXX WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX  AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I am requesting that these items be deleted off my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 

XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit card or prepaid card

My credit limit was arbitrarily decreasing by {$650.00} causing credit score.to.tank. my credit score is still around XXXX according to their very own website. They said it was from what I understand to be unsolicited information from credit bureaus. I have been customer 5 or 6.years and have never missed a payment or been late with a payment and was making decent headway into debt despite covid 19. This decrease will start a snowball effect and negatively affect other cards. I am not in danger of defaulting and feel this was malicious and possibly racially motivated due to current racial tensions of country.
Product: Debt collection

I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wife and Husband, Tenants By The Entirety ( hereinafter " XXXX '' ) purchased Loan Policy/Escrow No. XXXX, XXXX XXXX XXXX XXXX XXXX COMPANY for PLAZA HOME MORTGAGE, INC. in 2006, as well as purchasing a Owner 's Title Policy No. XXXX XXXX XXXX XXXX XXXX XXXX for XXXX also in 2006.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

In accordancewith 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 XXXXXXXX... 
XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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.