23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, XXXX, I mailed the following to Fraud Claims Department, AT & T Universal Card, XXXX XXXX, XXXX XXXX, XXXX XXXX. As of today I have never received an acknowledgement or a response to my letter and claim. 
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. I have never conducted business with XXXX XXXX XXXX. This charge took place more than two hours from where I live in XXXX, XXXX. 
I did not initially identify this transaction as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain this transaction is fraudulent. I had to provide an agency with the last twelve months of statements. The agency was only concerned with charges relevant to them. As I was omitting non-relevant charges I discovered a fraudulent charge in XXXX, XXXX, on a different credit card from a company I had never heard of. This prompted me to examine all of my past records/statements for all my credit cards. With assistance and hours of close examination of all my statements I discovered charges for XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ( charges to a utility company that I had never had an account with, done business with, nor resided in that city ).
Product: Debt collection

This is trying to collect a debt that I do not own since this is an error I have requested then to send me proof that I own this debt according to Debt collection practices act section 1692g. 
they have fail to provided me with : A.The original application or contract. 
B.Any and All statements allegedly related to this debt. 
C.Any and all signed receipts. 
D.Any and all cancelled checks. 
Please make them comply or delete this from my credit file.
Product: Credit card

My Citi ( XXXX ) XXXX ( R ) Card charged me interest even though I paid my account in full. When I asked them about this, they said that with this particular card you are charged interest from the prior month on your daily balance, even if you pay your account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with bank of america for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to check systems and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
Product: Checking or savings account

My wife and co-owner of the bank account went to log in on the Truist website. She received a notice that the account was compromised and that they would call her. She had been phished and over the course of half an hour, she downloaded software to the computer that gave the scammers access to the computer, and she gave them login information. We got Truist to freeze the account before any funds were removed. They told us we could come into the branch to fix the problem. 

When we arrived at the bank, we were told we had to open a new account ; however, our old account was grandfathered, and this new account had several fees, most notably atm fees, but additional checks and other fees were associated with the account. When we suggested we wanted our old account but with a new number, we were told we had to open a Truist One account ( the other was Signature Advantage ). When we protested, we were told that the only way to keep the features of the old account was to sign a statement saying we did not hold the bank liable for any future fraud. 

I understand that banks change products occasionally, but requiring an account that was compromised in a data breach to be switched to a whole new account structure is not reasonable. Since we have no choice but to stop using the old account, the new account should have the same fee schedule and benefits.
Product: Mortgage

Based on the evidence that I have found it appears that my Mortgage Loan Payoff was overcharged when it was refinanced in 2001. The overcharge carried over into my new loan which caused further overcharges in compound interest. The overcharged payoff also created an incorrect loan to value ratio that extended my payments for the required Mortgage Insurance Premium.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I filed that for disputes that were incorrect and they failed to remove them from my Credit report
Product: Credit card

Ensuring that payments are consistently made on schedule for this account has been my practice, preventing any occurrences of overdue payments. The reasons for the presence of late payment remarks on my accounts are unclear to me. As stipulated in 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and did not open those accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me from moving to a new home. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Bank account or service

On XX/XX/2015, I made a mobile deposit of {$500.00}, check # XXXX, To my Chase Bank checking account. The check was written from my XXXX checking account and was made payable to myself. On XX/XX/2015, the XXXX check cleared into my Chase Bank checking account. On XXXX XXXX, XXXX XXXX deducted another {$500.00} claiming that check # XXXX was cashed or deposited at XXXX XXXX. However, they realized they made a mistake because that check was already deposited into my chase account back on XX/XX/2015, XXXX XXXX returned my {$500.00} back to my account on XXXX XXXX, 2015, On XXXX XXXX, 2015, Chase Bank automatically withdrew {$500.00} from my checking account. When I called to find out what happened Chase Bank claimed that the original check was cashed at XXXX on XXXX XXXX, 2015. So according to Chase the check was processed on XXXX XXXX, 2015, which is the mobile deposit I made ; and processed on XXXX XXXX, 2015 at XXXX. However, I do not own an account at XXXX and it seems like someone stole that check I made the mobile deposit with. Seems like I never voided the check but the fact is, that check was stolen from me and someone pretended to be me at a bank in XXXX. The check was made payable to myself. Being that it is an XXXX Bank check, I have gone several times to XXXX XXXX to try and file a fraud claim or lost check claim but they keep telling me that it is not there problem and that I need to deal with Chase Bank since they withdrew the {$500.00}. So when I go to Chase Bank they tell me since it is an XXXX XXXX Check that was stolen they can not help me. However, why would Chase release my funds to another bank when the original deposit was made via the mobile app? I have filed a police report already. I also have proof of the mobile deposit clearing on XXXX XXXX. I have also attached statements showing that XXXX XXXX debited another {$500.00} for check # XXXX to XXXX but returned it 3 days later realizing their mistake. Chase needs to do the same. I attached a chase statement showing the original mobile deposit for check # XXXX clearing on XXXX XXXX, 2015, Then a automatic withdrawal of {$500.00} on XXXX XXXX, 2015, to pay XXXX ; When Check # XXXX was deposited once already back on XXXX XXXX, 2015. I have filed a police report due to the fraudulent cashing of my check # XXXX in XXXX. However, no one wants to help me. I do not who is supposed to help me. Is it XXXX XXXX because it is their check? or is it Chase Bank cause they released my funds to XXXX when the check was already deposited on XXXX XXXX, 2015. 
None of the banks want to take responsibility. I really hope this can help resolve this issue. XXXX of the banks has to get my {$500.00} back from XXXX and no one wants to do it. To sum everything up check number XXXX was stolen from me and cashed it on XXXX XXXX, 2015 at XXXX. when the check was originally deposited into my chase account via the chase mobile app deposit feature. How can XXXX bank cash a check written in my name when I do not even own an account there.
Product: Debt collection

Previously disputed account through CFPB reference # XXXX asking to verify or delete. Results came back with a bill statement, this is not verification it does not show my signature nor proves account is mine. Account was previously reporting with XXXX at the time of complaint with CFPB. XXXX and XXXX had already deleted now XXXX has deleted and XXXX and XXXX are reporting again. 

Reporting inaccurate stating account open with XXXX while XXXX reports closed status. XXXX is stating open while in collection and derogatory all at the same time. Both bureaus report dispute status as account not disputed yet show remarks of dispute resolved customer disagree. 

I do not recall having this account open and Portfolio RC has not verified debt being claimed. 

Account is a mistake itself.
Product: Credit card or prepaid card

I am writing to file a complaint against American Express, for violation of consumer protection laws 15 USC 1681s-2 ( a ) and ( b ) of the FCRA requires lender to provide notice of such action of sale upon request, however despite these laws, the lender refused to provide such information when requested. Additionally, American Express only stated this action midway through our call, there otherwise was no real or legal cause for such action. My accounts with the Lender were sold without notice and without providing any information regarding the sale. Furthermore at the time of sale, all accounts were in good standing and no primary reason would have been necessary for the relative action. The Lender has refused to provide any information regarding who they sold the account to or why.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX with Experian. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts, credit cards, addresses and bankruptcy due to identity theft with a police report. They removed all addresses that werent linked to fraudulent accounts causing them to verified and remain on my report. Deleting my current and factual address and address I previously lived at so I couldnt even verify my self online or over the phone. So I had to wait on mail to come next door. Also the bankruptcy is still reporting. I cant even get a credit report because its under investigation. But its actually completed. XXXX  XXXX and Experian deleted everything and put it back. This is my life I have small children and this identity theft is a hindrance. Then to not get a solution has left me in tears.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX 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
Product: Checking or savings account

Wise online banking after 5 year being theirs client and doing transaction and paying taxes they just decided in desactive my account sine XXXX 22. The most problem is that they kept my money and never give me back.
Product: Checking or savings account

{$800.00} came out of my account, card ending XXXX for a contractor from some other state without ma knowledge or authorization. I have filled the necessary paperwork as well as taking the police report to the branch to fax to the fraud department. I have tried continuously to contact someone in management and get a call back and have heard nothing for 3 weeks now. Im at a dead end, Ive done everything required and have been treated very poorly by US Bank. Im not in a position that I can just ignore that amount being takin. This has been going on approximately 8 months and 5 new accounts later and still no resolution. Help would be greatly appreciated. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, have violated my rights. 15 U.S.C 1681 ( section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Product: Checking or savings account

I did not authorize any of these XXXX  charges from my bank account ( see attached ). A Total of {$6900.00}. Capital one insist theres no error and they said they would send me documentation and they still havent. I called back and now theyre saying I have to wait 5 days for documentation. Its also weird that all of a sudden all of their emails are going straight to my junk email. Ill also like to add that my identity was stolen via XXXX a few years ago and my protection expired recently.
Product: Debt collection

Ive been disputing this collection from my credit report for months now because there was so much missing information in the report. Im fully under the impression that Midland is incorrect and the collections account has caused severe issues in my financial life. Upon looking over my documents, Im realizing that the balance theyre attempting to collect on is not even correct. The balance on all 3 credit bureaus is listed as XXXX when the balance for the account in question was XXXX & Im sure I never made any payment to the original creditor nor to Midland. Each time Ive disputed the account with a bureau, midland adds more information to the report or adjusts existing information, but it has not been deleted. This has all occurred after being hounded by them with calls last summer repeatedly, most likely because the alleged debt was falling out of the statute of limitations in my state of Maryland. They would call at odd times from different numbers daily so it was nearly impossible to find peace at that time. Currently, the amount is incorrect, on XXXX theyve listed the account as Open Account while listed as Debt Buyer on XXXX, theyre now reporting late payments on XXXX beginning 6 months ago which is a completely arbitrary and inaccurate start time for non payment as Ive never paid a cent to Midland . On XXXX, they listed the original creditor as Midland Credit when this is impossible because to my knowledge they dont even offer credit. I never received any letter from them prior to the calls and credit bureau reports & Im not sure what address they have on file. Im not sure of the time that Midland purchased the credit but Im almost positive it is prior to the XX/XX/2022 date that theyve listed. At times Im afraid they will attempt to sue me and I will be hit with a default judgement because I am not receiving any correspondence. All the information is in shambles and I want it gone. Not altered and doctored as they realize the information theyre reporting is inaccurate & at this point I am prepared to sue.
Product: Checking or savings account

On XX/XX/XXXX, I purchased the XXXX XXXX Teal dress ( Order # XXXX ) from XXXX XXXX   XXXX  for my brother 's wedding and the dress didn't arrive in time. I returned the dress on XX/XX/XXXX and under the return policy, I was eligible for a refund. When I reached out to XXXX XXXX XXXX to confirm that they received the return on XXXX, I didn't receive a response. I then filed a dispute claim with my bank, Ally. Ally said that they would handle the dispute, I just had to submit paperwork and copies of my correspondence with XXXX XXXX XXXX. I did that via email. Today XX/XX/XXXX, I received a letter from Ally saying that they closed my dispute told me to contact the merchant. I then called their customer service line who did not help me. They only told me that I would have to contact the merchant to provide further documentation. I contacted the merchant and they said that there's nothing that they can do and to contact my bank. I am tired of Ally refusing to help me with this issue that has been going on for months. I want my {$150.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from my employer regarding a wage garnishment to take 20 % of my payroll check. The letter was sent from a company by the name of XXXX XXXX. I have no knowledge of this company and have never heard of them. I emailed my payroll and informed them that I am requesting for them to stop the wage assignment as I do not know who this company might be. My payroll is not enough to even pay my current bills let alone be garnished by a company I have no knowledge of. I am submitting this for complaint because I have tried to reach out to this company with no response other then receiving robotic calls. I am asking for this wage assignment to be reviewed immediately. Thank you
Product: Money transfer, virtual currency, or money service

Well there was times where I would sent money and I would try to get it back cus it was obviously sent but when I tried it would say oh u cant get it back it never gave the option to like 2 step verify