23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Here is a detailed complaint template you can file with the **Consumer Financial Protection Bureau ( CFPB ) ** regarding your dispute with **Bank of America** over a rejected fraudulent transaction claim.

-- - # # # **Complaint Template** # # # # **1. Personal Information : ** - **Name : ** XXXX XXXX - **Address : * - **Phone : ** [ Your phone number ] - **Email : ** [ Your email address ] # # # # **2. Company Information : ** - **Company Name : ** Bank of America - **Product Type : ** Debit Card or Credit Card - **Claim Number : ** XXXX - **Amount in Dispute : ** {$510.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Complaint Summary : ** Bank of America rejected my dispute for a fraudulent transaction totaling XXXX XXXX XXXXXXXX, despite the evidence I provided that demonstrates I did not authorize or make this purchase. 

-- XXXX XXXX XXXX XXXX XXXX  XXXX. Complaint Details : ** 1. **Background Information : ** - The disputed transaction occurred on XXXX XXXX, XXXX, through the merchant XXXX located in XXXX XXXX, XXXX. 
- I filed a fraud claim with Bank of America, asserting that the transaction was unauthorized. 
- A temporary credit was issued to my account but later reversed when my dispute was denied.

2. **Banks Reason for Denial : ** - Bank of America stated that the merchant provided evidence, such as an IP address matching my billing address, to support the transaction.

- However, I believe this evidence is unreliable and may have been manipulated or exploited by fraudsters.

3. **My Supporting Evidence : ** - I provided proof of my physical location at the time of the transaction, which shows I could not have made the purchase.

- I also demonstrated that I did not have access to the device allegedly used to complete the transaction.

- Despite my efforts, Bank of America ignored my evidence and upheld the merchants claim.

4. **Impact on Me : ** - I was forced to bear the financial loss of this fraudulent transaction.

- Bank of Americas investigation process appears to have been insufficient, leaving me unprotected as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations : ** - Bank of America failed to conduct a thorough investigation of my fraud claim, potentially violating the **Electronic Funds Transfer Act ( EFTA ) ** and my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Requested Resolution : ** 1. Reopen the investigation into my dispute, giving full consideration to all the evidence I provided.

2. Restore the temporary credit of ** $ XXXX or refund the full amount if the transaction is proven to be fraudulent. 
3. Provide a detailed written explanation of the investigation process and the rationale behind the decision. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Supporting Documents : ** - A copy of the letter from Bank of America denying my claim. 
- Evidence of my physical location at the time of the transaction. 
- Any additional correspondence, documentation, or proof supporting my assertion that the transaction was fraudulent.
Product: Bank account or service

Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate/inaccurate reported late payments. 
XXXX XXXX Account Number : XXXX Please update late payment, all payment was made on time 3. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I was notified in XX/XX/2022 that my XXXX XXXX loans would be forgiven for borrowers defense. This has not been reflected on my MOHELA account. I have reached out multiple times and they say they have been forgiven but they still show in the balance that I owe and are calculated in my payment.
Product: Credit reporting or other personal consumer reports

Ally financial has written my account off and reporting the account to my credit report as a loss, which is absolutely false.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XX/XX/year>. Equifax. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. 
I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Product: Credit card

Since I was XXXX, I have always paid the statement balance for all my credit cards. I have never been charged a late payment or interest in my life. Since taking out a promotional loan from Citi Bank, the statement does not correctly show the amount I need to pay to avoid interest charges. The statement includes the interest-free loan as what is due and does not separate new charges appropriately. For the last 4 billing cycles, I have called in, sometimes multiple times for one issue, requesting the correct amount to pay to avoid accruing any interest. Each time I call, every agent always starts with the same answer, they include the account balance as the amount I need to pay which includes the interest-free loan. I then explain that I have the interest-free loan and then they gave me the amount that is labeled on my statement as " Purchases ''. I pay that amount and then get charged interest. After the first time this happened, I called back to figure out what went wrong and all I got were the same answers. One agent even told me that I owe money for the transactions that are current but have not been generated on any bill and were transacted after the most recently generated bill. I am filing this complaint because I am at a loss. I have tried for 4 months to get in touch with someone who can help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of $ XXXX monthly payment each month. XXXX finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every XXXX months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

At some point within the last month, prior to XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX regarding an alleged debt owed to XXXX XXXX. I advised them during this first call that I had always paid my dental co pays at the time service was rendered and had insurance. I disputed that I owed any money. On XX/XX/XXXX, I received another phone call from XXXX XXXX XXXX advising them that I had an attorney but they abruptly hung up before I could provide the information. On XX/XX/XXXX, XXXX XXXX XXXX called me again in violation of the FDCPA after having notice that I was represented by counsel. I advised them of my attorneys ' name, phone number, address, and bar number. This company is attempting to collect an illegitimate debt and their phone calls also amount to harassment because they willfully avoiding obtaining my attorney 's contact information so that they could continue to harassment. They are now liable for statutory violations of {$1000.00}.
Product: Debt collection

The company is knowingly trying to collect on a fraudulent account. I have been disputing these fraudulent accounts since 2023. I have requested Validation of Debt, Collection Agency License, Original Contract with my signature, acknowledgement of receipt of police reports and affidavits of identity theft, detailed methods of verification all of which have been ignored. I have even provided the company with a complete printout of FCRA-605b to explain that a fraudulent account can't legally be sold or reported after proof of such has been provided, which it has.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and XXXXollectors, but I continued to be harassed. XXXX responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the XXXX BREACH.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I sent a letter on XX/XX/XXXX and was sent to Experian credit bureau to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. 

XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for XXXX XXXX is violating my FCRA rights by not deleting its account, that is XXXX years old. It's still reporting on Experian and XXXX. It is beyond its statute of limitations to be reporting.
Product: Student loan

My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency, the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time, the Collection Agency is adding about XXXX % to the XXXX loan, the original amount was {$8100.00} now the balance is {$10000.00}, Documents attached. Is this something that is allow by law for this collection agency to add such a outrageous amount to a loan? The only reason I was not paying is because I did not have a job. 
Please advise. 
Thanks - XXXX XXXX - XXXXXXXXXXXX
Product: Mortgage

I paid off my mortgage in full on XX/XX/2024 and I am now being told since I did not follow Freedom Mortgages rules which they state is to make the final payment via a wire transfer only the {$35000.00} payment I made was not applied to my account AND I would be charged interest each day which is essentially Grand Theft.
Product: Debt collection

Financial Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Claims that I owe {$3500.00} since XX/XX/XXXX. Now, they say I owe {$5100.00}. This exaggerated accrual of interest is highly illegal. Also, I sent a confirmation letter on XX/XX/XXXX and they have yet to reply. In accordance to, Fair Credit Reporting Act ( FCRA ), bureaus generally have 30 days to investigate the dispute and remove any items proven to be inaccurate. However, despite my efforts, this illegal account remains on my credit reports. I have the letter and USPS certified mail stub as evidence.
Product: Mortgage

XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims never was an investigation conducted I have firmly asked Help never got it
Product: Student loan

This is in regards to a MEFA loan from XXXX. My husband became XXXX in XXXX. I found out in XXXX of XXXX that we could apply for a XXXX forgiveness of the loan. I did so and finally in XXXX of XXXX we received a call saying it was approved. Now they are telling us that they took his name off the loan however since I co-signed the loans they have been put in my name only. Since his income is drastically reduced since his XXXX, and we are together, this does not seem to be fair. If they had told us that it would revert to me I wouldnt have bothered with 8-9 months of paperwork and aggravation. According to their website, the current policy is to remove loan completely. They are telling us that the policy when we took the loan didnt state that. 
I think this is unfair and want to know if I have any recourse from this loan
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BoA account to fraudulent investment firm ( s ).