23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Bank of America credit card was used for 2 fraudulent purchases on XX/XX/2019 : One at a XXXX for {$1000.00} and one at XXXX for {$430.00}. These purchases were not made by me and I have no knowledge of who made them. Bank of America has rejected my fraud claim on the grounds that an EMV chip was used and therefore the physical card was used for the purchase. This reason for rejection is illogical and invalid as I have informed Bank of America on multiple occasions that I have a missing credit card both before and after the fraudulent transactions occurred. Events are as follows : ~XX/XX/XXXX : I applied for and was approved for a new credit card with Bank of America ~XX/XX/XXXX : I call  Bank of America and inform them I have not received my credit card. They ask me if the card was lost or stolen and I respond by stating that the only information I have is that I have not received it. They say the will send me a new card expedited with the same account number. Phone records show me calling Bank of America on this date. 

XX/XX/XXXX : I receive the replacement card via XXXX and activate the new card. I have still not received the original card. 

XX/XX/XXXX : At XXXX XXXX CT I receive an email from Bank of America entitled Security Alert : Unusual Credit Card Activity Detected. At XXXX XXXX CT I receive a voicemail from the fraud department asking me to call them back. I did not receive these immediately as I was at work. After checking my account, I notice the mentioned fraudulent charges. At XXXX CT, I place a call to Bank of America confirming that the charges are indeed fraudulent. During the call, the agent even states to me that an individual identifying himself as me, but calling from a different number, had called Bank of America earlier in the day to remove the fraud alert but was rejected. They ask me if I know how the fraud could have occurred and I explained the same as I have explained here. I.E. That 2 copies of my card were sent by Bank of America and I only received one of them, meaning the missing card could have been intercepted and used. 

XX/XX/XXXX : Three fraudulent credit card applications are placed in my name with other banks. This is not directly related to Bank of America but I mention it as I believe it was committed by the same perpetrator. I have contacted the Credit Bureaus and respective banks to report the frauds. 

XX/XX/XXXX : I am informed that Bank of America has rejected my fraud claim on the grounds that an EMV chip was used for the transaction. This reason for rejection is invalid as I have a missing card as I had already explained to Bank of America representatives on both ~XX/XX/XXXX and XX/XX/XXXX. 

I have Informed Delivery with the USPS and the original card never appears there indicating that it did not even make it to the point where the Informed Delivery images are taken let alone make it to my mailbox. 

I have been a Bank of America customer for a decade and am absolutely dismayed at their handling of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After more than 1000 days, I want answers. I want to know why Transunion and XXXX  forward complaints to XXXX XXXX who ignores and then merely labels the complaints as duplicates. I want to know why the attached incomplete undated application was processed to access my credit when the application clearly states at top that incomplete applications will not be processed. This led to a forged and fraudulent loan in my name. 
I want to know why XXXX XXXX, XXXX, and Transunion believes an incomplete application that was not to be processed should be considered as permissible permission per FCRA requirements? I want to know why I have been denied for 4 years to receive a copy of the credit report that was pulled on XX/XX/2017XXXX  I want answers. I do not want Transunion and XXXX  to pass the buck by sending this complaint to XXXX XXXX and sending me a form reply. And I do not want XXXX XXXX to merely label this complaint as a duplicate. I want answers.
Product: Checking or savings account

On XX/XX/19 my domestic partner and I opened a joint account for the amount of {$1000.00} at Suntrust Bank branch in Florida located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/19 the account was closed by the bank and decided to withhold the XXXX after the check was cashed by XXXX. 

The officer at Suntrust refused to tell us the reason why the account was closed and refused to return our money. We spoke with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust Executive Services in XXXX. 
She referred us to their legal department telling us the money was locked in the bank 's safety box. She also told us to contact and inquire about my credit report with the credit bureaus. We did and found nothing wrong with my credit which the officer al the local Suntrust bank suggested, was the issue. 

I contacted the legal office of the XXXX XXXX XXXX of which I am a member. They wrote several letters to the bank. As of now the letters have been unanswered.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX - Email : XXXX Company Information : - Company Name : XXXX  - Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : I am submitting this complaint to request the immediate deletion of the XXXX account ( Reported : XXXXXXXX XXXX XXXX XXXX {$1600.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations.

5. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Debt collection

Did not receive any correspondence. Per the Fair Debt Collection Practices Act, 15 USC Section1692C, requires that you honor my request to remove.
Product: Credit reporting or other personal consumer reports

I have never applied for no Discover card nor applied or charge nothing on no discover card. 

Discover has false information on my credit file There is fraud on discover placing a such debt on my credit file. 

Discover has yet to provide any contract me applying charging or my personal info on this said account. 

I have spoke to an attorney on this matter about filing a Federal Law Suit. 

I have also filed with US Attorney Office on this matter with Discover
Product: Checking or savings account

My name is XXXX XXXX and I would like to file a complaint against my former bank Suntrust due to the bank taking out unsufficient funds from my account to cover three checks ( I needed to deposit to pay for my tuition ) that turned out to be fraudulent that I had no knowledge of the checks being faked. The first two checks had went through the mobile deposit until the third one did not. The checks total equal to {$9500.00} but only {$7000.00} went through. The checks came from a guy who claims his name is XXXX. No I did not know him. He claim he was willing to help me pay for my tuition while I am in college so I would not have to get a student loans. Out of the {$7000.00} I " had '' I took out {$5000.00} to pay for " XXXX '' expenses such as paying for his " driver '' and other " expenses ''. When SunTrust finally realized the checks were forgery the bank started taking money out of my checking account. For each check deposited was how much was taking out of my account. SunTrust emailed me on XXXX XXXXXXXX XXXX, about my account being overdrawn by around - {$3100.00} and that I had 5 business days to pay back what was overdrawn or I would pay a fee. Within 3 business days on XXXX XXXX, I was not able to go in my account. I contacted customer service to see what the issue and a representative was says due to the checks being forged my checking account was under investigation. I had {$2200.00} in my savings that SunTrust never mailed me a check when my account was closed. I am not able to login nor am I able to see my transactions. The money from the checks that was taking out was deposited item returned. I looked up on the SunTrust website glossary for what is returned item deposit. It states that " You deposited a check that was written to you, but the person who wrote it does not have sufficient funds to cover it. In this case, if you were already credited for the deposit, we would charge it back to your account ( meaning that we would debit your account because the funds were not available ) ''. The 2 checks were deposit 24 hours later but then they money out of my account that I didn't have. If all three were fake, why did SunTrust not stop the first check instead waited until the third one to see that it was a red flag? I even file a complaint for fraud on XXXX XXXX XXXX with fraud rep. I don't remember his name, but he had a heavy accent as if he was XXXX, but I feel like he wasn't trying to help me. I do feel like I was scammed I just wanted to pay for school to pursue my career in business management. I also called SunTrust customer service around XXXXXXXX XXXX XXXX about why I haven't received a check that was in my savings and I was told there is an investigation and that there was {>= $1,000,000} deposit in my savings that I didn't authorized nor did get a email, text, or phone call. There is a limit on my account on how much can be deposit. Only around {$15000.00} monthly can be deposit in my account. I have tried everything, but nothing seems to work. Can I get some legal help please? Thank you.
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores recently dropped significantly. When I called Equifax to complain they could not explain it. They said " I dont have access to your credit score ''. He then wanted to give me contact information for a credit repair company. 
I believe my score was impacted by a Forebearance Agreement on my daughters mortage for which I cosigned. However, Equifax could not tell me this. They did indicate my status was " Current '' on our mortage payments. 
The Dispute process online with Equifax did not allow this type of dispute. It only allowed me to dispute my previous addresses and my name. No provisions on their website to dispute the rating in any other way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will get straight to the point. Rent Debt is still reporting a PAID collection on my file and my husbands file two years later. This debt was paid back in XX/XX/2018 and the file keeps being updated as a paid, closed account. Please tell me what the XXXX is there to update?! Its a FULLY PAID DEBT. Ive called on multiple occasions to find out how or who I could speak with to have this removed and the response has been the same each time and unhelpful - I was told that they dont remove reports or send deletion requests/letters to the credit bureaus which is complete XXXX. They are the furnishers of this report so they can easily remove the account. A paid collection serves zero purpose on either of our reports. This account needs to be removed expeditiously - from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX pull my credit and I never authorize or done any business with these people. 

Another company did the same thing post inquiry XXXX and XXXX XXXX. I called talked to someone and these companies and also called XXXX they told me they dont take off inquiries these are mine I was removed off my credit.
Product: Vehicle loan or lease

I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX and 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: Debt collection

I received a letter from a company called credit collection services saying that I owe XXXX from an XXXX insurance. I have never had any dealing with XXXX ever. I called XXXX and they couldn't find any record of me ever having an account with them and that they don't know how or why this is happening. Please help me
Product: Money transfer, virtual currency, or money service

ON XX/XX/XXXX AT AROUND XXXX I SPOKE WITH A PERSON ON INSTAGRAM THE NAME IS XXXX I WAS TOLD THAT I CAN HAVE AN OPPORTUNITY TO MAKE MORE MONEY ALL I WOULD HAVE TO DO IS SEND A INITIAL DEPOSIT OF XXXX DOLLARS AND I CAN MAKE EXTRA MONEY. THE PERSON PROVIDE ME WITH AN EMAIL OF XXXX, WAS SCAMMED OUT OF {$300.00} DOLLARS, SENT THE MONEY THROUGH ZELLE. TO THE EMAIL. WHEN TRYING TO GET MY MONEY BACK I RECEIVED A PHONE FROM A SO-CALLED MANAGER FROM THE NUMBER XXXX, THEY ADVISED ME THAT IN ORDER TO GET MY MONEY BACK I HAD TO PAY AN ADDITIONAL {$890.00}. THEY PERSON DID NOT SAY THEIR NAME AND WAS ARGUING BACK AND WORTH THAT I HAD TO PAY {$890.00} IN ORDER TO RECEIVE A REFUND. I TOLD THEM IT WAS SEND THROUGH ZELLE SO ALL YOU HAVE TO DO IS SEND IT BACK. I SPOKE TO THE BACK TO REPORT IT, AND THEY ARE NOT ASSISTANCE ANY HELP. I WOULD LIKE MY {$300.00} DOLLARS BACK. THIS PEOPLE NEED TO BE STOPPED.
Product: Debt collection

They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. No proof if ID card etc. 
Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. 

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

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, XXXX, Transunion.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I contacted XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
Product: Debt collection

I had XXXX back when I first got with my husband, we have been together 8 years now! I broke my phone about a month after he moved in! Those reports are false! And thats a crime! I have gotten married and have XXXX children, I have not had XXXX since I lived at XXXX XXXX  when I was XXXX, Im about to be XXXX! This is False and needs to come off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquirer Name : Bank of America Inquiry Date : XX/XX/2017 I have never applied for Bank of America credit card or loan, my identity was stolen 14 years ago till this day they still try to apply for credit cards and loans they even tried to come get the mail from my house, please remove this inquiry from my XXXX   credit report.
Product: Debt collection

In XX/XX/XXXX, I opened an account with XXXX XXXX. A month after opening the account I received my first bill. The amount billed was almost double to the agreed price when service was established. I called XXXX to dispute and we agreed to close the account. I paid the remaining balance and sent the equipment in. In XX/XX/XXXX I learned of an account in collections that I was unaware of. The account holder is Debt Recovery Solutions with a collection amount of {$2400.00}. I contacted them at the time to verify the debt which is when I learned it was a XXXX account. I then reviewed my credit report and found that XXXX is also reporting an open collection for the same amount. I have over the last several months contacted XXXX to not find any resolution. XXXX is telling me that they have no record of the account and all liabilities and accounts were sold to XXXX XXXX. I was directed to them, XXXX has provided me in writing that they have no record of the debt. 

My complaint is how can two companies report the same debt? Furthermore why are they reporting it given that they can not provide any information about the validity of the debt? Debt Recovery Solutions has claimed they have proof, which I would still dispute, and which they have not provided me. XXXX, XXXX XXXX and Debt Recovery Solutions have failed to prove a valid debt and has violated the law with the dual reporting. The only thing I have received from my inquires was increased calls and letters from Debt Recovery Solutions.
Product: Money transfer, virtual currency, or money service

I am trying to get a refund for a western union check that was stolen. ( XXXX ) I sent in a police report and a XXXX check for it to be researched. They tell me I am unable to get my monies back. I made a complaint to the ceo office ( XXXX ) I have heard nothing.
Product: Credit card

XX/XX/year> to whom it may concern on XX/XX/year> I received an email from XXXX XXXX informing me that one of my accounts from PNC Bank was closed the following next week. I went into the PNC branch and spoke with a banker. He checked my account and found out that my credit card account was closed, I asked him to call the Credit Card department to ask if they could reopen my account and they stated no because they had sent out a letter through the mail. I never received any notice through the mail. PNC bank violated my rights by closing my credit card without my knowledge and permission on XX/XX/year> I spoke with XXXX from the retail support group and she stated she could not help me reopen my credit card so I asked to speak with the corporate office about this matter. I spoke with XXXX on XX/XX/year> and she stated that she could not Reopen my credit card PNC Bank has violated my legal rights and someone needs to investigate all their banking products to make sure that they are performing accurate books and abiding by all rules and regulations and following all policy and procedures if this matter is not corrected, I will be taking legal action against PNC Bank. Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently applied for a mortgage but there were XXXX outstanding credit collection items both related an accident. I broke my arm due to slip on wet marble floor XXXX XXXX was taken the hospital by an ambulance company. The ambulance company billed my insurance over {$1000.00} but my deductible was {$400.00}. I was not aware there was a balance. The ride to the hospital was less then XXXX blocks. Had I known i would have walked to the hospital myself. In addition, my gym continued to charge me despite not going for months due to a XXXX XXXX. They renewed the service despite that i was not attending. I closed my credit card to stop the gym charges but they tried to continue to collect fees. 
I am now forced to pay for these extortion fees to clean up my credit for services not rendered and overcharges by the private ambulance service company. 

XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Amount {$400.00} representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM tele XXXX XXXX XXXX Service performed XX/XX/XXXX XXXX Collection Agency # XXXX Tele XXXX XXXX XXXX Amount {$78.00} representative XXXX XXXX services for : XXXX XX/XX/XXXX Please note i had not gone to the gym since XX/XX/XXXX because my arm was broken and was in a cast. They charged me for months of services despite i had asked them to stop charging. 


i paid the charges to end this from being reported past due but the taint will continue to be reported as late bill. It is wrong that i have pay for these illegal fees. 

My contact : XXXX XXXX tele XXXX XXXX XXXX birth date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX and XXXX XXXX. XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

Greetings XX/XX/XXXX XXXX XXXX closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by XXXX XXXX XXXX, XXXX XXXX, and Equifax. These payments have been accurately recorded by these agencies as on time and satisfactory payment history. XXXX XXXX then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. XXXX XXXX has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XX/XX/XXXXXXXX XXXX XXXX continues to report to third parties as late and unsatisfactory.