23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Bank of America debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my BofA card to make one unauthorized ATM withdrawal of {$460.00} and one charge of {$2100.00} at XXXX XXXX as well as using the other debit card and a XXXX XXXX credit card to make additional charges of more than {$16000.00} at the same XXXX XXXX, plus {$4300.00} at XXXX XXXX XXXX XXXX. I notified BofA of the theft within 24 hours of the theft and disputed the ATM withdrawal and the charge at XXXX XXXX. I provided BofA with the name and contact information for a witness who let me use his cell phone to call XXXX to get a locksmith to cut a new key and program an electronic fob. He can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the ATM withdrawal and charge were made at an ATM and a store 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the bank and the XXXX XXXX where the withdrawal and charge were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of theunauthorized ATM withdrawal was made. In addition, the transaction history on my BofA account shows I rarely if ever use my ATM card to make purchases and never purchases of hundreds or thousands of dollars. Nor have I ever purchased any item at the XXXX XXXX store in XXXX XXXX where the {$2100.00} charge was made. I also filed a police report with the XXXX XXXX Police Department, which is also attached. 

The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX XXXX  was fraudulent ( that resolution letter is also attached ). BofA denied my claim initially on or about XX/XX/2021 but reopened it when I provided additional documentation. However, BofA again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC section 1693g because I did not authorize the transaction and timely reported it
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed same items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit Bureaus are required by law to remove the accounts which are found to be fraud due to identity theft. The disputed accounts do not belong to me. Please remove these accounts. 
XXXX 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 XXXXXXXX Balance Owed : {$740.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX Balance Owed XXXX {$6600.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Checking or savings account

My wallet was stolen from my car with my drivers license, Chase credit card, Case Debit card, XXXX credit card, and insurance card on XX/XX/XXXX. On XX/XX/XXXX I received fraudulent alert charges and immediately called Chase and XXXX to notify them about the fraud and the theft. I canceled those cards and received new ones. On XX/XX/XXXX I received a text from Chase regarding a one time password, confused I called Chase to find out someone with my drivers license and expired Chase debit card was trying to take out {$2000.00}. I reported it as fraud but it was to late. Chase had given someone with my drivers license and expired card {$2000.00} even though they did not know my PIN, they claimed they changed their phone number. On the phone I was told I would be reimbursed in 7-10 business days and instructed to freeze my accounts which I did. The next day I went to my local Chase to close my accounts and create new ones and to get a new debit card. I was asked to file a police report with I did XXXX XXXX I faxed the incident repot to Chase XX/XX/XXXX. I am still waiting to get refunded for my money which chase gave to someone who was not me. Chase will not reimburse me without a police report which I do not have. I have requested it from the police department but told it could take up to 90 days. I have called multiple times requesting my money be placed back in my account.
Product: Credit card

I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they remove to remove the information certified its accuracy under false pretenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion that is hurting my file.please review an delete the data listed. alot of information is inaccurate on my credit report. my file needs to be corrected to help fix all of the inaccurate information listed asap.
Product: Credit reporting or other personal consumer reports

RECENTLY, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681 ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my account. I contacted Transunion XX/XX/2018, and ask for this item to be removed. Their response was " this account has been verified ''. I ask them for any and all information they received to " verify '' this bankruptcy. At the same time I contacted the bankruptcy office and the third party and was told they do NOT verify information to credit reporting agencies.
Product: Vehicle loan or lease

I gave the reasons for repayment due to the extra fees that was demanded cause my vehicle to be repossessed and then cause other fees that a cured during the length of the loan.
Product: Credit card

I was mailed a promotional offer to accept the Chase credit card along with a {$200.00} cashback bonus when I purchased {$500.00} in the first three months. This was an insert included in the mailing. When I went online to complete the application, this offer was also promoted on the Chase website. I completed the application including a balance transfer, at which time I did not know what my credit limit would be, so I entered a transfer of {$3000.00}. I was accepted for the card and my credit limit was only {$1600.00} and the balance transfer was posted at $ XXXX. Once I found that out, I called Chase to reduce the transfer to {$1000.00} so I would be able to make the {$500.00} in purchases to qualify for the {$200.00} cashback offer. 
Reviewing my statement after the three months I realized that I was not credited the {$200.00} as promised. I called Chase customer service three different times. The first time, I was told that if I could provide the offer number, they would credit my account. Unfortunately, there was no offer number listed and I did not keep the application that was mailed to me after being accepted for the card. I explained about receiving the mailings promoting this offer and that the offer was still being promoted on the website for the same exact credit card. The next time I called, I was told that this offer is not available for my account. 
The next thing I did was send a secure message to Chase on XX/XX/year>. I explained that I received the offer in the mailing that was sent to me and also when I finished the application online it was clearly stated on the Chase website. I provided screenshots of the information that was promoted on the Chase website in XXXX when I applied for the card and also in XXXX, when the current promotion was still being offered. I was again told that this offer was not available for my account. No other explanation was given. I sent four different messages, XXXX on XX/XX/year>, another on XX/XX/year>, XX/XX/year>, and the last one was XX/XX/year> of which I got no response. In all the communications I am asking why my account is not available for this offer. It is the same exact credit card that is being promoted with this {$200.00} cashback offer on {$500.00} purchases in the first three months of opening. This offer is still being promoted on the Chase website today. The only answer I received is that my account is not available for this offer. I also did research online and it seems like a lot of other people are having this problem with Chase where they are not receiving the {$200.00} cashback bonus offer that was promised. This promotion was the main reason I accepted the Chase credit card. I received many different offers from different credit card companies but decided to go with Chase because of this specific offer.
Product: Debt collection

No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.
Product: Credit reporting

Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating that a card was opened in my name at " XXXX ''. I did not apply for this card and promptly called XXXX to let them know that this is XXXX and not me. I later received the " card '' and notified of the {$1400.00} balance that I did not charge.They said they would investigate. I called back several times and made no progress. They said they had XXXX days to investigate. They said that the money was spent at a store in XXXX and the store had XXXX days to get them info. I called the store in an attempt to expedite the process and the XXXX had no knowledge. I called XXXX XXXX back and they said that they don't contact the store to investigate. They don't seem to know their investigation process. I followed up by writing letters and spending {$30.00} to mail documents to credit bureaus so they could investigate per the information on the FTC website- XXXX XXXX XXXX, and Equifax XXXX Today, I got a letter in the mail stating that the account is factual according to EQUIFAXXXXX. It is NOT!! XXXX and XXXX removed the false information from my credit report. It seems to me that someone could look at my credit report and see that I did not need to open a card and max it out in the same day. I could have used XXXX of my other cards with a lower interest rate if I wanted to make the purchase. This is not me and if it is not remedied then I will be looking for an attorney. I have worked years to have good credit and now I have spent XXXX months of time, effort, and certified mail to remove something that shouldn't be on my credit. Ironically, this same person who was extended the credit with XXXX also applied for credit at XXXX XXXX XXXX XXXX XXXX and they were denied so that leaves me wondering if XXXX extended credit with inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, I have been generally satisfied with my Marcus by Goldman Sachs savings account. I ran into an issue on the morning of XX/XX/2019when I attempted to transfer funds from my Marcus account to my regular usage account with another bank that I regularly transfer money in and out of via phone call with a Marcus rep. The reason I had to call was because it was a large amount of money that I needed available for buying a house. I called, was treated well, and the transfer was established. I was told it could take 1-3 business days ( call was  on Tuesday, Reasonable to arrive in my account by Thurs/Friday ) which would have been in appropriate time for closing on my house. On Thursday, XX/XX/2019, I check my accounts and there was no transfer, no pending transfer showing in either account. I decide to call in as something is clearly wrong. I am told by the rep that I had canceled the transaction. I verified with the agent that I had done no such thing. The rep apologized for the mistake and processed a wire transfer which caused me to incur a fee with my receiving bank. Marcus refused to reimburse me {$15.00} for the wire fee. The wire was required because of a mistake Marcus made. I was redirected to a " supervisor '' and was treated poorly. The supervisor acted as if I was lying about never canceling the original transaction. They went through the notes on my account and confirmed multiple times that I had never spoken with an agent after my initial establishment of the transfer. The supervisor claimed that I returned a call about the transfer and was verified by their rep. I vehemently explained that I never called in and confirmed the account I was transferring to was a regularly used account with my Marcus account. I asked about how they could have verified someone claiming to be me and asked if they were going to have this reviewed by their fraud team. The supervisor confirmed that she didn't think it was fraud so, no. This is unbelievably ridiculous at this point. I, as a verified client, am confirming I never made a second call on XX/XX/19 and never spoke with the rep they claimed I did, and they won't investigate for fraud! The wire transfer went through and I was charged a fee. I called back and reached a different supervisor who was a little more helpful. This call was made XX/XX/2019. The supervisor said he would credit me the wire fee of {$15.00} and would have the fraud team review and reach out. Today is XX/XX/2019, I have not been credited and have had no outreach from a fraud team with any update on my case. This is incredibly poor client support. I can't believe I had to fight so much with the supervisors to be credited {$15.00} because of an error by the XXXX when I keep thousands of dollars with this bank. I am near to closing my accounts and advising every person I recommended this bank to do the same.
Product: Credit card or prepaid card

On XX/XX/2022 I received reference number XXXX by email stating that they couldn't confirm my info and need more to include photo of my drivers license, social security card, government ID or more, something I know they didn't need as they already had relevant data and impeccable credit. 

I called and talked to 'XXXX XXXX at Chase Ph XXXX to confirm that's what they wanted. Once confirmed, I reminded her of my credit history and that personal information like social security number and sending them a picture of my drivers license was inappropriate and possibly illegal and that she had all the info of me that she needed. 

Insisting that I send more my told her to delete my info from their data banks that I do not want or need their card and that I did not want to be on a mailing list, have my info exposed, sold, or traded and that I would complain to the FCC ( CFPB ) to insure this. I am doing this so others don't get their info exposed by this CHASE Credit Card, and again, I don't need or want their business and surely don't want mine or anybody 's info used by them for nefarious purposes. 

They used a gimmick, ( XXXX {$50.00} free on XXXX ) to get me to file for a card and I admittingly fell for it like a fool. Lucky for me I wised up and ended it and no, I don't want anything from them but only to shine light on them to protect other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.
Product: Debt collection

Aargon Agency purchased the balance from an ER and is not reflecting the amount they purchased it for. Instead they reported the full amount that the ER had in their systems. They continuously call my phone during work hours and even after telling them. They still continuously try to collect the full and incorrect amount. And also proceed with the repetitive calls. Because the amount is not correct or accurate I would like for this to be removed from my credit report immediately. Attached will be everything in paperwork that I tried communicating to everyone involved including the certified mail receipt that it was delivered. I also had paperwork notarized to ensure it was me to dispute the information reported and to have it removed immediately. But neither party has removed the information on my credit.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice to Nelnet on XX/XX/year>. I then sent notices to the XXXX Department of Education on XX/XX/year>, and again on XX/XX/year>. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.