23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account is fraudulent never had opened an account with them I had submitted an identity theft for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the Department of Education on XX/XX/2022 stating that the department is discharging my loans without requiring me to file an application because of the persuasive and widespread nature of school 's behavior and under borrower dese regulations ( 34 C.F.R. 685.206 and/or 685.222 ). XXXX XXXX has been inaccurately reporting student loans balances to the 3 credit bureaus ' ( XXXX, XXXX XXXX, and Trans Union frequently. I contacted XXXX XXXX by email and phone call on XX/XX/2022, XX/XX/2022 and XX/XX/2022. The student loans with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX student loans were discharged based on a letter from the U.S. Department of Education XXXX XX/XX/2022 stating that the Department is discharging my loans without requiring I file an application because of the per. 685.206 and / or 685.222 ). I contacted XXXX XXXX verbally and they explained that it is discharged and they will remove it from the 3 credit agencies. I sent copies of this letter to the email address for Nel net ( XXXX ). I received no responses by email, but it was conformed during phone call with XXXX XXXX that they received my letter each time. I have tried to dispute and XXXX XXXX still keeps reporting inaccurate balances effecting my credit information to all 3 credit agencies. I will attach letter with emails. I am requesting that both item on my 3 credit reports be reported according to federal laws in regards to accurate information. I owe no balance with XXXX XXXX and I have no negative history. I am requesting that this be removed from XXXX, XXXX, and TransUnion.
Product: Credit card

On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I made an electronic transfer from my JP Morgan brokerage account under my name to my Chase checking account also under my name. I have made successful transactions between my accounts before. The transferred amount was successfully posted on my checking account on that day and was available to me. However, on XX/XX/2023, the transferred amount was entirely erased from both of my accounts. I called both Chase checking and JP Morgan investment regarding my accounts to resolve the issue. Both acknowledged they encountered a system error, but refused to credit the lost amount back to my account. Meanwhile, my primary checking account with Chase was hit with overdraft and incurred other financial losses to me because I am unable to withdraw my money from my Chase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a balance a month ago plus two derogatory remarks came off my account and my credit score went down plus the show the balance I paid off as still being there The amount is {$12000.00}. fora XXXX XXXX credit card it show I still owe it. as per equifax, and they have since updated my records 4 time. Also shows my credit age as 3 months 6 years when it is closer to 8 years. Also XXXX shows I havXXXX 2 open accounts equifax says 14. Lets get it together huh, people, this has big impact on peoples lives everyone wants us to have a good score but none accurately keeps one
Product: Checking or savings account

-8/23/19 Lost wallet and ID document, SSN, Driver license, XXXX card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXXn debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXXPD Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , Discover bank ) that founded from arresting XXXX XXXX at XXXXPD XXXX XXXX : notify call center about the issue and verify ID. 

XXXX receive letter form Discover Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and XXXXPD police slip via website https : //www.discover.com/online-banking/secure-document-upload/.
Product: Bank account or service

bank repeated ly cause me to be over drawn. would not remove XXXX charges. card reader inoperable. {$7.00} on XX/XX/XXXX they now do n't show the XX/XX/XXXX check I wrote to the XXXX I attend. they hold withdraw from account then post it after so you can be overdrawn. I have chked accont @ XXXX then @ XXXX and it is totally different than it should be. when I print it out then net time I have difficulties doint so.
Product: Consumer Loan

Hi On XXXX, XXXX I purchased Furntiure from XXXX Store and they promoted CREDIT Purchase through ( GE Capital finance ), IF paid in full by XXXX XXXX XXXX there is NO interest. So I Kept making monthly payments until the last payment amount pending XXXX/- Now, from GE Capital the finance was transferred SYNCHRONY Bank , which was never informed to us and we did not get PROPER Communication. 
So, As of XXXX XXXX XXXX, original balance amount pending is XXXX/- and Promotion Date got expired XXXX XXXX so the interest should be charged only for the $ XXXX/- instead they are charging for the entire loan amout of {$2300.00} and my NEW Bill is XXXX it is now with further late / penalty charges $ XXXX/- Since XXXX XXXX I made several call on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I spent hours with various horrible OFFSHORE foreign accent customer service folks including one XXXX XXXX and created A dispute ticket, which they promised to investigate within 30 days and so far we have NOT recivied NO Investigation results as it is more than 30 days now. 
AFTER severals calls I discovered that SYNCHRONY BANK has XXXX accounts on my name 1. above furniture account 2. my XXXX Credit account So, I believe the SYNCHRONY BANK customer rep got confused on XXXX XXXX and told me that the balance will be XXXX, IF I pay XXXX which I agreed and paid but it was credited to my XXXX Account instead of FURNITURE Account ( So, {$770.00} interested was charged for my account should be refunded in the first place ) because had he credited to my FURNITURE Account I would have NEVER Been late because with the GRACE Period of 30 days from XXXX XXXX, It should have XXXX XXXX and the REP told since it is only couple of weeks above GRACE period he can make the Balance XXXX and close the account and did it. 

Finally, Called on XXXX XXXX, XXXX XXXX PST spoke to rep XXXX XXXX hours EXPLAINED all above especially their representative CREDITING my XXXX Account instead of FUNITURE Account and then againpaid another {$110.00} ( on the assumption that I am paying 29.99 % interest for the remaining balance amount of $ XXXX/- for the 2 weeks delay above 30 days grace period. ) Bottom line, 1. Harrasment of Increased BILL Due MAIL keeps coming 2. NO Investigation results has been shared instead, PHONE CALL Harassment with so much keeps coming.. 

I will not pay interest for entire loan amount of {$2300.00} because on XXXX XXXX the balance was only $ XXXX and the rep made a mistake of crediting wrong account i.e. XXXX Account instead of XXXX account. 

Please help US from this harassment from this SYNCHRONY BANK OFFSHORE Customer services folks undue diligence, professionalims, accent and torcher.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account # XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit card or prepaid card

I had a monthly subscription to XXXX XXXX XXXX. I cancelled this recurring charge in XXXX. On XX/XX/XXXX, I was charged again, not for one month but for two months this time. XXXX, the company charging me, has no record of a current account with them. So I disputed with Capital One. They reached out to XXXX, who said they have no record of a cancellation, even though they told me there is no record of an active account. 
Capital One overturned my chargeback and charged me for this. I was able to find verification of my cancellation, but it was only an email that came at the end of my subscription -- which came XX/XX/XXXX. I submitted this to Capital One, but after seeing the date of the email, they refused to consider it further, even though it was not the email I received upon cancellation ( I could not find that email. )
Product: Debt collection

COLLECTOR KEPT CALLING FAMILY MEMBER REGARDING XXXX AND XXXX ON MY CELL AND WORK NUMBERS. so.o.l. expired in illinois
Product: Credit card or prepaid card

Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours.
Product: Checking or savings account

This complaint for BoA is tied to my previous complaint from Merrill ( BoA - XXXX ). Escalation to bank on XX/XX/XXXX. 

Upon my complaint on Merrill for the unjustified closing of my IRA account and your office calling Merrill I am getting additional retaliatory actions from BoA for raising the complaint internally and with your office. 

I have been in BoA since XXXX ( 34+ ) years. Today I got a letter issue on the days following my complaint. CLOSING my credit card which I have had since XXXX Credit limit over 33,000 and XXXX balance. NO EXPLANATION GIVEN. 

TODAY, I called the provided number XXXX XXXX XXXX. I was told account was closed because Your risk profile no longer aligns with the banks risk tolerance. I have build GREAT credit and the banks action with NO LOGICAL ( nor provided ) justification is UNACCEPTABLE. 

During this conversation, I was also told that my CHECKING & SAVINGS accounts will also be closed effective XX/XX/XXXX. OF WHICH NO WRITTEN COMMUNICATION has been issued. I have direct payments from this account and direct deposit from my ONLY source of income to this account. MOVING my accounts to another bank when my company requires at least 2 billing cycles to effectively route the first direct deposit is potentially impacting my CREDIT and livelihood ( Well-being ). Furthermore, it is causing a financial burden. 

There is no reason for BoA to take this action on a VALUED XXXX XXXX client. 

I believe these further actions taken by Bank of America BoA are RETALIATION for the complaint issued/ raised to your office. I believe we are being WRONGFULLY PROFILED through aN ALGORITHM.. and upon review BEING DISCRIMINATED/ RETALIATED. I have been a GOOD law abiding citizen whose sole income comes from a pharmaceutical company .. this is hard earned money and the actions takin by the bank are unacceptable. 

I NEED TO KNOW what the initial ( IRA ) decision was based on. I need to know why this retaliatory action is being taken to bully me and my family from the bank we have been in for the past 34+ years. 

This has and is VERY stress-full and unprovoked. The decisions taken by the bank are not logical and if there were a question could be EASILY ANSWERED. XXXX was simply not down in good faith. I have Nothing to hide. All my single source income is clearly included in my FEDERAL. INCOME TAX STATEMENTS. 

I need for this to be addressed. The bank seems not to care about complaints and not worried about the power of your federal entity. They have loopholes around it. BoA he further punishes me for complaining.. I complained and they canceled my credit cards, checking and savings account THIS IS ABUSE OF POWER.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. TransUnion Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Trans Union is not up holding the law of the FAIR CREDIT REPORTING ACT!
Product: Credit reporting or other personal consumer reports

I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting or other personal consumer reports

2. XXXX XXXX XXXX - XXXX {$580.00} XX/XX/year>2025 3. XXXXXXXX XXXX XXXX XXXX  XXXX {$950.00} XX/XX/year>2025 4. XXXX XXXX - XXXX {$510.00} XX/XX/year>2025 6. XXXX XXXX XXXX - XXXX {$1200.00} XX/XX/year> Ive already contacted and filed disputes regarding these and have not received any resolution
Product: Credit card

On XX/XX/year>, I reported a fraudulent charges on my apple credit card from experian. A customer service named XXXX was chatting with me and started the investigation. He asked me to charge my XXXX password and i told him i was unable to do since i was using my phone and couldnt remember my old password He told me the investigation might take 90 days and proceed to lock my account on my phone. Since i dont receive paper billing, my phone is the only way for me to make payment I have tried many times to log in, but the account remained locked. I assumed it was because of the investigation. I never receive any calls or correspondence from apple At the end of XXXX, I got a notification that my XXXX XXXX had dropped XXXX points due to a late payment from XXXX. I contacted customer service, who proceeded to inform me that a payment was still due even if the account is locked, and I was supposed to call them and make the payment. 
He unlocked the account, and i made the payment right away. I told them there was no way to make the payment since the account was locked and I shouldn't be penalized since they never called or unlocked my account. I contacted the credit bureaus to remove the late payment since it wasn't my fault, but they say only the credit card can. I contacted customer service and spoke to so many. agents so many times regarding retracting the late payment but nothing came out of it
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on XXXX and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request a refund in the amount of {$75.00} for my Pay Later loan account. This refund has been due to me since XX/XX/year>. 

Despite my patience, the delay in processing this refund is unacceptable. Synchrony Bank is prompt in sending threatening phone calls and harassing certified letters when payments are due, yet it seems unable to extend the same efficiency to returning funds owed to its customers. 

I trust that Synchrony Bank will act with the urgency and professionalism expected in this matter. Kindly confirm receipt of this complaint and provide a timeline for when I can expect my refund. 

Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a letter was sent to dispute items from my report to transunion. It has been well over 30 days and they have yet to even acknowledge my dispute request.
Product: Checking or savings account

In XXXX I had lost my XXXX XXXX XXXXXXXX and have been struggling ever since. I unfortunately overdrew 2 Bank of America accounts that I had. I have barely been making ends meet with XXXX XXXX XXXX XXXX and trying to provide a life for her. Fast forward to today, XX/XX/XXXX. Bank of America took over {$500.00} out of my active checking account without any notification beforehand to try to offset the old delinquent bank accounts. They left me {$25.00} in my account. I can not afford groceries for my daughter now. I have a XXXX XXXX in 2 days that I can no longer afford. I work part time and barely above minimum wage right now because that is all I could get in this job market. I need that money desperately to feed my child. I dont qualify for any assistance through the government unfortunately so I was relying on those funds to be able to purchase some groceries to feed my child. When I called Bank of America I was on hold off and on for over an hour. I need that money back asap. I am drowning financially. I get that I owed money and I would be happy to set up a payment arrangement but I can not be without the funds they took. Times are insanely hard as it is, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and now this.
Product: Debt collection

On XX/XX/XXXX I went on XXXX XXXX  and noticed my score had gone down, went to check out why and seen something from XXXX XXXX  and enhanced recovery company ... I also seen that it had come from XXXX and XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... I didnt have neither one before, I called and it the rep said it had come from an address Im XXXX XXXX, Florida I have never lived in Florida ever ... .I have also never had XXXX XXXX  nor XXXX XXXX  ... I need this taken off because it if affecting my credit score ... This is obviously identify theft and fraud..I have never received bills from here which proves that is was not done by me, I havent received any notifications ... if it was not for me checking my score I wouldnt have known nothing of this
Product: Credit reporting or other personal consumer reports

Someone opened a navy federal XXXX XXXX credit card that was not on my behalf I have no acknowledgement and would like to have this account removed.
Product: Money transfer, virtual currency, or money service

While having a cash app, adding funds to it was an easy part, but when withdrawing funds were not available. Account getting closed for supposed gambling activity, and real reaosn was I am a small business owner and didn't used cashapp alot so why pay them a fee of a 10 % of the money received if those were my earnings, so I switch to a personal account so I wont get charged and cashapp decides to vlose my account and block my IP address where noone in my household can create an account.