23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I received a notification from Bank of America stating that there may be a fraudulent activity happening with my credit card. There were XXXX purchases made in a short sequence. I immediately reacted and reported these were not purchases made by us. They blocked our cards ( we had XXXX, me and me wife ). Within a few days, we received new cards and also in about 14 days the charges were credited. 

After that I didn't pay attention to the ongoing claim investigation as I thought everything was already resolved. 

Now the interesting part! 

On XX/XX/2023 our new cards were charged {$740.00} and {$1.00}. We also received a message from Bank of America that our fraud claim was resolved. 

I called them immediately and asked for explanation. They just told me that based on our shopping habbits the AI they have built into their claim resolution process decided that the XXXX transactions- both made online, {$740.00} at XXXX XXXX in XXXX and {$1.00} XXXX XXXX were made by us. 

I couldn't believe it! 

I am thinking that I immediately identified the fraudulent transactions when I received the notification and blocked the card but they are telling me now that I was the one who actually purchased the items. 

Called Bank of America, they apologized and told me they are going to review it again by a human being this time. 

A week later I received another claim resolution stating that we made the purchases. 

I immediately called them and they told me on the call that XXXX XXXX sent them the online order made by my wife and the address was matching with our home address. 

I asked them if they can send us the delivery proof because we never purchased it and never received the items. Waiting on them but this is truly outrageous! 

I don't understand how is this possible when I stopped the transactions the same day as I was notified but they still continued with the sale and are acting like they have the order saying our name and that is why we purchased it. 

Before - Bank of America does not offer fraud protection with their credit card and clearly does some suspicious business activity with merchants such as XXXX XXXX and XXXXXXXX XXXX XXXXXXXX!
Product: Checking or savings account

I opened a checking account with US Bank at the beginning of XXXX under a promotion where I was to receive {$200.00} within 60 days of having a direct deposit to the account of over {$500.00}. My first direct deposit from work of over {$1200.00} posted to my account on XXXX XXXX. According to the terms of the promotion, I expected to receive my {$200.00} bonus before XXXX XXXX. I never received the bonus. I sent an email to customer service asking when I would receive the bonus, received an automated response indicating someone would get back to me, and nobody did. I called US Bank on XXXX XXXX to inquire about the bonus and the customer service agent indicated that after researching the terms, he believed I met the terms and that I should have received the bonus and submitted a request for it to be looked into. He said I would either receive the bonus on XXXX XXXX or somebody would call me on the XXXX to discuss the issue. The money never showed up and nobody ever contacted me. I obviously find this treatment to be very frustrating and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with the XXXX  XXXX, who uses Global Payments Inc to process deposits. I added my bank account and was denied the ability to make ACH deposits into my account. Upon contacting Global Payments Inc, I was informed that they, illegally, ran a credit check without my permission. Again, there was no request anywhere for my permission to run a credit check. There was nowhere that informed me that one would be run either. I was not seeking credit of any kind, but rather simply adding my own personal bank account for ACH transfers. The Fair Credit Reporting Act ( FCRA ) strictly prohibits pulling a consumer 's credit for an impermissible purpose as Global Payments Inc has done here. Furthermore, Global Payments Inc informed me that my request to add my bank was denied based on said credit check. As I have a credit score of XXXX with all 3 credit agencies, I was very curious as to the reasons I would be denied based on a credit check. I inquired as to why I was denied and was told they would not give me that information. The Equal Credit Opportunity Act ( ECOA ) mandates that lenders that deny credit to their applicants must state their reason for the rejection. Again, Global Payments Inc, outright refused to provide the reason for denial. I then asked for their legal mailing address for the purpose of filing a complaint with the CFPB and was initially denied that information as well. This company is violating the law, repeatedly, and then trying to conceal their identity from the government agency that regulates their industry. This needs to stop and the company needs to be fined and held accountable.
Product: Debt collection

O n   XXXX   XXXX   XXXX   this co mpany received a letter requesting validation where I asked themn either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA S ec 809,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX DEBT VALIDATION REQUEST To whom this may concern, I am writing in response to a debt collection notice I received from your agency regarding the alleged debt you contacted me by ( XXXX ) XXXX and identified the debt as XXXX, the amount of {$7300.00}. Before I proceed with any further actions, I would like necessary information to be provided to validate the accuracy of this debt. 

As you are aware, according to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify within 30 days. Please provide and respond to the requested information below : -Document providing ownership of the debt -Proof of how the company assess the debt and current balance ( Are there any additional inter fees or charges that may have been added since the last billing statement from the original creditor ) -Payment history from the original creditor & the final payment made on the account -Copy of the original contract bearing my signature of agreement -Chain of title on the debt -Bill of Sale -Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitations expiration date for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX  XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$1200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I attempted to purchase an item and there was 2 attempts to pay for this item. I was advised that 1 transaction did not go through because it was over my daily limit. so the whole purchase was cancelled and the 2 charges should have been returned to me. Only 1 transaction was reversed and disputed by the bank. Then the bank advised me that the dispute was done incorrectly and they would resubmit for the 2nd charge. I just received a denial for the previous complaint and I demand that a US bank representative call me from the office of the executives ASAP and credit the account for what they say i owe or am negative on. They did not properly handle my dispute and have incorrectly serviced my account. XXXX. There are federal rules and laws that protect me as a bank consumer.
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX and my credit report has been used for items that are not mine - please help remove this my information has been stolen please see my new social attached. 
XXXX - XXXX - XXXX XXXX - XXXX -XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. 

This is a violation of reporting false information BY DISCOVER on my credit report.
Product: Vehicle loan or lease

XX/XX/21 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. {$15000.00} I went to a dealership to trade my car in for a different one at XXXX XXXX where they ran my credit through all of these companys an I had {$45000.00} in the bank at XXXX  XXXX XXXX at the time. All these companys denied me a loan there are several more on different dates. An all these inquiries are posted on my consumer report
Product: Credit card

I came into some hardship at the beginning of the year. If you look at my payment history before the beginning of this year I paid on time every month. I called the company on XXXX XXXX XXXX XXXX while my account was behind asking for help to bring my account current. At that point the representative said they can NOT help me because I need to bring my account current. I gathered all my little pennies and borrowed some money to bring this account current. Within 2 weeks I manage to make 2 payments, one of XXXX after which I was hit with an annual fee and a maintenance fee totaling XXXX on XX/XX/XXXX I went into my account and a window popped up saying if I made a payment of XXXX I would bring my account current. I made the payment of XXXX on XX/XX/XXXX but now my account still has a balance of XXXX due XX/XX/XXXX. I called the company to explain that since I have already made 2 payments totaling up to over XXXX it is impossible for me to make another payment of XXXX by XX/XX/XXXX. I asked them for help. asked them if they can extend my due date or something to that matter so I can have time to come up with the payment. They refuse to help me, they said all I paid was my back payments due and now I have to pay the payment that is due now. I dont understand how I made a payment of XXXX supposedly as they stated on their site to bring my account current but still owe a huge amount due in a few days. They said because my account is current they can not help me. Contradiction to what they had said before. They repeated the same information I already knew over and over again. My balance, my due date and they couldn't help me. My other creditors were more than willing to help me but I don't understand why this company refuses to help me when I have been a good paying customer for a long time. I asked to speak with a supervisor, XXXX XXXX XXXX XXXXXXXX is the supervisor I spoke with and all she did was repeat what the previous agent said. I asked if she can extend the due date to give me time to come up with the payment. I want to bring the account current and keep it current but its impossible if they keep adding on fees. I will get another late fee if I don't make the payment by XX/XX/XXXX. This is really stressing me out really bad. I feel like I'm spinning my wheels with this company. Please help me.
Product: Credit reporting or other personal consumer reports

I was emailed by XXXX XXXX that I had two new loans on my credit report from TransUnion so I disputed it on XXXX XXXX and TransUnion which they verified the information asb ring accurate and its not I called trans Union & charges to try to clear this up and even reached out to the school twice which claimed Im not in there data and wanted me to give my SS which I didnt so they couldnt give me information on the loans of {$1500.00} & {$870.00} which was opened on XX/XX/scrub>/2024 from Dept of ED/XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX telephone XXXX ( XXXX ) XXXX only information I was told to call was XXXX. XXXX XXXX
Product: Credit card

For 30 days more or less, XXXX XXXX located in XXXX has called, they call all times of day, recently they only call early morning or late evening, we assumed these to be telemarketing calls. They work for Synchrony Bank who handles Lowes credit cards. On XXXX/XXXX/16 i talked with customer service and asked them to quit calling us, they called again XXXX/XXXX/16 morning and evening, I talked with XXXX on XXXX/XXXX/16 there was a late charge on our account, she removed that, since we have an excellent payment record, and I explained we have a perfect payment record with them, and that we had n't received a statement for XXXX 2016, she in fact did credit my account, but the calls continued, I called again today XXXX/XXXX/16 to get something done XXXX with Lowes customer service # ( located in XXXX ) put on hold which i agreed to, after 10 minutes I hung up. I have canceled my account, but these harrassing calls should not have even been placed to my home. On line chat was n't any help either to Synchrony Bank. Please help
Product: Student loan

BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.
Product: Payday loan, title loan, or personal loan

I had provided them with my personal information including my bank account information. As soon as I hit the submit button the website disappeared, I went to another tab and pulled the site back up, and tried to log into it. The login tab was nonfunctional, I attempted on two different computers. I called the number provided and I was refused access to the site and told that there was not an issue. I then told them I wanted my information deleted and that I wanted immediate confirmation. I was told it was sent but it would take a long time for the email to reach me since their emails too numerous. I have had to close out my bank account but I am still afraid that fraud will be committed since they have my social security number as well. everything that I was told on the phone was inaccurate as to the laws to protect consumers. I was previously a loan manager and how this company is handling my issue is alarming.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US Department of Education, 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Vehicle loan or lease

I write you on an issue that Im having with Santander Consumer USA financial institution on auto loan established on XX/XX/XXXX at {$18000.00} not to include the interest involved. Just this past year of XX/XX/XXXX from XX/XX/XXXX to  XX/XX/XXXX I was behind on the auto loan three months and twenty days the most leaving the car in repossession status. In the month of XX/XX/XXXX on the XX/XX/XXXX the car was repossessed I notified Santander Consumer USA which to hear the vehicle was in its possession, I was also informed what I need to pay in order to gain back possession of car. Now I want to inform you that the car was repossessed before in the year I believe XX/XX/XXXX and was able to gain back possession of vehicle at agreed dollar amount which later led to a so call modification agreement of loan XX/XX/XXXX at {$5000.00}. But after the repossession in XX/XX/XXXX I inquired of both principle/payoff balance on the auto loan at $ XXXX/ {$4000.00}. I was inform on the XX/XX/XXXX the {$2600.00} was need to give car back in my possession but on the XX/XX/XXXX I was told I had to pay {$2900.00} covering delinquent charges on auto loan, interest, and repossession charges. I paid the {$2900.00} on the XX/XX/XXXX with credit card afterward was told after payment is processed balance of loan will be adjusted on account. Now monthly payments was still be given ranging from {$300.00} to {$280.00} a month onward although the monthly agreed note is {$280.00}. I do recall in XX/XX/XXXX calling Santander Consumer USA disputing the payoff balance at {$1200.00} and claiming they havent yet charged the account the towing charged which led into another dispute, because after Santander Consumer USA repossessed the car on XX/XX/XXXX over ten days have already passed when I respond with the payment needed to gain back possession of the car. The auto loan has already been paid off and what on the account is the claimed towing charge of {$790.00} but someone ( s ) within Santander Consumer USA is manipulating the account by seeking false financial gain as it hold title to car. So I ask for your involvement to prevent future hassle as I see inaccurate balance change to account after paying {$190.00} on the XX/XX/XXXX bring the {$790.00} to {$590.00} which Im not seeing that balance reflecting the payment. The truth of the matter is I struggled to get to the end of completing my payments with Santander Consumer USA and someone ( s ) within the business sees this but seeking false financial gain is not the way to do business with the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

Refinanced my vehicle loan with Capital One in XXXX. A new loan has been opened under my name with a payment due XX/XX/21 however capital one continues to fail paying the bank that currently holds the title. I have reached out multiple times with no success reaching a solution to the problem. I have been told countless times they would get an overnight payoff sent and call me back to confirm and never hear back. I have been sent to multiple departments including XXXX with the customer resolution team who continues to give me a different story every time I reach out and fails to follow up with me as promised. 

I now have two open accounts on the same truck and two payments due and no help from Capital One.
Product: Credit card

I have an credit card account with XXXX XXXX that I have been trying to claim my interest that is owed to the principal to pay on the account. After sending several claim of interest notices, XXXX XXXX sends me emails stating that they're investigating my inquire and then say they don't see any issues. I have even sent in billing error notices and still nothing was resolved. I just got a notification that my account was closed and the balance was never credited to the account. XXXX XXXX XXXX XXXX agreement with the Bank of New York Mellon even says that interest is due to the principal along with my credit statement that also says that the credit balance is showing represents the money owed to my principal. At this point XXXX XXXX is breaching there fiduciary duties and if this issue isn't resolved I'll have no choice but to file for arbitration.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX  XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is commiting consumer fraud and identity theif. 
XXXX. On MyEquifax site, they charge {$29.00} for access to dispute your address, credit cards, and any unauthorized credit pulls. But it is unknown where any of these disputes or private uploaded information actual goes to. 
XXXX. On XXXX, I was denied a loan because Equifax had not updated my credit in over 20 years! Attempting to speak directly with an Equifax XXXX, XXXX ID # XXXX, I was informed all the information submitted over the MY Equifax website was not in Equifax credit records. The Agent stated he did not know what happened to information submitted by Consumers on My Equifax website.This is extremely dangerous!!!! 
XXXX. My Equifax website is advertised as a secure site to dispute, correct and update consumer credit reports but it is FAKE and clearly a violation of Consumer Fraud, along with identity thief! 
Please do something about EQUIFAX and their Bogus Fake Web Site that is gathering Consumer id and private information, sending it to who knows where. 
XXXX XXXX XXXX