23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2016 I filed a claim with Bank of America because fraudulent charges in the amount of {$24000.00} were made to my Bank of America checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Bank of America advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but BoA did n't seem to take that information into consideration. Once again BoA denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time BoA denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with BoA since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 BoA contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.
Product: Debt collection

Discover Bank, Dear Sir/Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by the law ( such as notification of legal action or final settlement ), will be considered a violation of the federal law, and I will take all necessary legal action to protect my rights.
Product: Payday loan, title loan, or personal loan

PayPal Credit double charged my auto-pay of {$300.00} in XXXX, first as scheduled on XX/XX/XXXX, and then once again on XX/XX/XXXX, even though I only had {$91.00} left on my credit line after the authorized payment. When I called to correct this, they said they would fix it and I would not be charged any fees. Later, I found out that PayPal Credit decided to reject the original auto-pay that was on time, and accept the duplicate charge on the XXXX that would have been late ( had they not already been holding my {$300.00} ). They tried to apply a late charge of {$29.00}, even though their duplicate transaction left them holding {$200.00} of OVERPAYMENT above my remaining balance for more than a week. When I called and complained, they waived their late fee. But that is not the end of the story Because my PayPal account is no longer working due to the issues with the duplicate payment, I asked on the same call to simply pay off my remaining balance of {$91.00} with a debit card to zero out my account. I asked if there would be a fee associated with the debit card payment. The customer service associate said no there would not be. I just received a statement today that claims my balance is now {$10.00}. PayPal Credit applied a pay by phone fee that was not disclosed anywhere I could find, and certainly was not mentioned on the call. At this point, I assume that theyre bent on extracting some sort of fee from me, and am tired of spending time on the phone with them trying to resolve these issues that are entirely of their making.
Product: Credit reporting or other personal consumer reports

I contacted Equifax today for the 4th time. I could not access my credit file online. This comes after I requested that changes were made to consumer file. They keep saying they can not update my file until send in identification. I have attached documentation, identifiying myself and all of my correct information. So they can stop reporting incorrect.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I have tried resolving the issue with the company and the company has yet to correct the information or violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not take normal and expected measures to protect my credit information. As a consequence, my personal information was part of the XXXX 2017 hack. If I were ever given the option by Experian, I would not have allowed them to store my information in the first place!
Product: Credit card or prepaid card

In XX/XX/XXXX, I had to change the payment source on my CItibank/ BestBuy credit card account set to autopay because of a stolen wallet. My old checking was cancelled and a new one opened. I updated the payment source for autopay online and placed a call to customer service to make sure all was working and connected. Autopay payment was withdrawn from the new source in XX/XX/XXXX and the paper bill reflected autopay setup. 
A few days ago, I was contacted by a collection agency because of 3 months of missed payments XXXX XXXX, and XX/XX/XXXX. Somehow, my account was bumped off of autopay and was sent to collections. My XXXX bill doubled to XXXX. I called Citibank/BestBuy to rectify and to seek an explanation as to why the autopay canceled out, after it was set up both online and verified over the phone. No solutions from customer service, just run around, transferring between call centers and being hung up on from a rude associate named XXXX in the Kentucky call center. This company will not take ownership for their faulty system. Had anyone looked at my autopay payment history and customer service call record, this could have been easily rectified. I spent up to 5 hours on the phone trying to obtain an answer about the autopay system failure. I wish I had that time back as it was a complete waste. The intent at Citibank / BestBuy is NOT to assist customers - the agents are trained to repeat the same 3 useless lines and to refuse to escalate the call to a department that has real answers. Nice little scheme CB/BB has going- bump customers off autopay, charge late fees and other charges.
Product: Debt collection

Repeated calls to my employer, family members and contacts of mine asking for personal information about me .... I have not received any calls, messages or mail directly to myself regarding the matter. 

Ive notified them by emails as well as verbally to not contact or harass these people
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE balance of AUTO LOAN .This is a violation of FCRA and is in violation of requisite XXXX compliant reporting standards. 

According to fair credit reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 



Please IMMEDIATELY remove this account from my credit report and send me an updated report showing compliance with all XXXX reporting standards and this account removed upon completion.
Product: Credit reporting or other personal consumer reports

Heres are the inquiries and companies that are being disputed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX - see attachments ( XXXX ). 
Charge-offs listed : XXXX XXXX XX/XX/XXXX - {$24000.00}, XXXXXXXX XXXX - XX/XX/XXXX - {$600.00}., XXXX  XXXX XXXX - XX/XX/XXXX, XXXX {$600.00}, see attachment ( XXXX ). 
Billing Error Dispute - XXXX XXXX XXXX - open date XXXX XXXX ( Experian ) see attachment, Dispute of unauthorized Inquiries on credit report : XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, inquiry date XXXX, XXXX XXXX XXXX XXXX, inquiry date XXXX, XXXX XXXX  / XXXX XXXX XXXX XXXX inquiry date XXXX, XXXX XXXXXXXX XXXX XXXX inquiry date XXXX, ( Experian ) see attachment Charge-offs listed : XXXX XXXX XXXX- XXXX- XX/XX/XXXX ( XXXX ) see attachment, Dispute of Dept : notice of Debt that I disputed : XXXX XX/XX/XXXX, XXXX {$9900.00}, XXXX- XX/XX/XXXX, XXXX {$1200.00}, XXXX - XX/XX/XXXX, XXXX {$920.00}. ( XXXX ) see attachment Letters were sent to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called the creditor to defer my payments on the account due to COVID and the negative impact it had on my income. I was advised that this would NOT negatively impact my credit and was given a 60 day deferred payment. I called again on XX/XX/XXXX and was told that {$530.00} would be due on XX/XX/XXXX ( the agent I to spoke was XXXX ). I again asked for the reassurance that my account was at no risk for being in default or that it would be negatively reported to any of the credit bureaus. I was assured that due to COVID and entering into the deferment that it would not. 

I called again in XXXX for another 60 day deferment, at which point I also made a {$760.00} payment and was told there was then {$0.00} due. The agent told me my next payment would be due in XXXX. 

I received a call on XXXX from the creditor saying my last payment of {$760.00} did not go through and that I was 41 days past due!! I paid what I could totaling {$530.00} to bring the account current. The remaining amount of {$240.00} was scheduled on XX/XX/XXXX, with the next due date XX/XX/XXXX. 

I then found out my account was closed XX/XX/XXXX ( at which point I also made a payment of {$1500.00} on XX/XX/XXXX ) and was reported for 30 day lates on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX!!!! I was SHOCKED to see this after what was communicated to me and given the circumstances during COVID. 

The result of this has greatly reduced my credit score and has put a hinderance on me and my family purchasing our new home. I feel I was poorly communicated to and was very misled on the outcome of my deferment after being VERY well assured that this would not impact my credit.
Product: Checking or savings account

I have been a XXXX XXXX since XXXX  and I am in good standing. I also have been a Chase customer for well over 10 years. I have chase credit cards, a checking account holding my tenants ' security deposit and I have a few business accounts open with chase. I am not a criminal and nor am I under investigation for anything whatsoever. Nevertheless, without any basis, as confirmed by the branch manager who I just met with, Chase has arbitrarily decided to close all of my personal checking accounts and credit cards. I have been told that all of my personal accounts will be closed by XX/XX/XXXX, but there is absolutely no reason for it. This is incredibly disruptive as I have many things tied to my chase account like my tenants ' security deposit, mortgage accounts, various memberships, subscriptions. Someone has falsely flagged my account and Chase should be held accountable for causing so much damages without any basis. If not reactivated, I will consider a lawsuit against Chase as this is clearly done in bad faith. The letter I got said, " after careful examination. '' What examination? None took place at all, because if it had, I would not have to be filing this complaint.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are 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
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE A 30 DAY LATE PAYMENT THAT IS WRONG I MAILED LETTERS IN TO THE CREDIT BUREAUS BUT NEVER HEARD BACK FROM THEM
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft due to a recent data breach. As a result, several fraudulent accounts have been opened in my name without my knowledge or authorization. Under the provisions of 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report : Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$59.00} 2. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00} 3. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$820.00} 4. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$500.00} 5. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} 6. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$470.00} 7. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 8. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00}
Product: Prepaid card

On XX/XX/year>, exactly at XXXX XXXX, I arrived at the US Bank located at XXXX XXXX XXXX, XXXX, CA, to withdraw {$920.00} from my Electronic Benefit Transfer ( EBT ) account. The ATM screen displayed an error message. I heard the sound of the machine dispensing cash as if it were about to withdraw my money, but nothing came out. I waited about XXXX minutes at the ATM, and despite the receipt indicating that {$920.00} was withdrawn, I did not receive any cash. 

I spoke with XXXX bank representatives, but they informed me that they were unable to assist since I am not a bank member. Although I am not a US Bank customer, I often use their ATM to withdraw my rent money. On XX/XX/year>, I spoke with customer service representatives XXXX and XXXX, who also stated that they could not help me. I am in desperate need of my rent money. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXXXXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

Today, XX/XX/XXXX, I attempted to use my Wells Fargo debit card at a XXXX grocery store located in XXXX, Texas. I had successfully used my card about a hour before at XXXX located in the same strip mall. In an attempt to pay for my groceries, I swiped my debit card. I was told the transaction was not authorized. Despite the fact, I had well over the amount in the account ( even after the previous XXXX purchase ). The check out person suggested that I try again, which I did. XXXX again, the transaction would not authorize. So, I used a debit card from another bank, which did go through. 
When I called Wells Fargo, to inquire what happened, their explanation was that they were concerned that I had been to XXXX previous to using my card at XXXX. So, without a text to my cell or a call, they blocked my card. In response, I explained how I was at check out with a cart full of groceries, not knowing why the card was blocked. The Wells Fargo rep again, just repeated that it was because I had shopped at XXXX previous. Is this something that they do to all of their customer 's accounts? My husband and I have been Wells Fargo customers since XX/XX/XXXX, why the hyper diligence regarding me using my debit card? 
In addition, before the customer service rep would speak with me, she required me to give my XXXX Wells Fargo credit card identification info! The credit card is not linked to the debit card 's checking account. It is an entirely separate account. She asked for this info even after I gave her the identification info regarding the debit card account, as well as the last XXXX digits of my social security number. 
Should I assume that for some reason I was deemed a person of suspicion? How do I know if and when my card will be subjectively blocked? I understand Wells Fargo, like many banks, take fraud related measures to protect accounts, but if Wells Fargo wish for its customers not to shop at XXXX using their debit card, they need to make a public statement. Otherwise, they position themselves as having final say as to where I can spend MY money. 
I would really appreciate an explanation as to their reasoning and if this type of action is within their legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax has violated my rights. 

15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy.

15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX XXXX {$17000.00} XXXX   XXXX {$760.00} XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX   XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports