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

During a business trip to XXXX, XXXX XX/XX/2022 I attempted to make a cash withdrawal at an ATM on one of the major streets in XXXX tourist area. I selected an international ATM ( one out of four ATMs ) and inserted my card into the machine and, usual order, was prompted to enter my password. After doing so nothing happened and I was given no further prompts. Assuming that something was wrong I pressed the cancel button several times but to no avail. My card was captured by the ATM. As I left the machine my TD Alerts started sending me messages ( see below ). I realized that the ATM machine had been manipulated and someone had my passcode and had been attempting to make withdraws. The first attempt of {$2100.00} was declined as it exceeded the available balance but unfortunately, they were successful with the two following withdrawals amounts ( {$120.00} and {$1000.00} ). Shortly after I received TD Banks automated text message asking if I approved a ( fourth ) withdrawl. At that time, I was able to stop the withdrawals. I immediately called your fraud center to report the incident and have my card canceled. By then it was obvious to me that the ATM machine had been tampered with and someone has inserted a reading device and I was subject to " skimming '' When back in the US, I called a TD Bank representative and formally reported the incident. 

XX/XX/2022 I received a response from TD Bank " Disputes & Claims '' ( Subj, XXXX ) denying responsibility advising that " your chip card was in your possession, during an in person transaction ''. Some time thereafter, I went to a TD branch and advised them that this was not a relevant reply or reason as my card was not in my possession. It was caught in the ATM machine. The branch representative filed a new dispute on my behalf and asked me to return in a few weeks. After a month I called him and he advised it was declined again. I was given no reason and there was no possibility for the bank to talk to directly to the XXXX XXXX! 

In early XXXX this year I decided to try to file a third ( and last ) claim. I received a reply XX/XX/XXXX, ( XXXX. XXXX ), again, denying my claim. The reason given was " XXXX was not utilized after you notified us to close the card ''. Obviously, this is not a relevant response as the culprits last attempt to withdraw funds was denied ( as I stopped the withdraws based on the text message received from TD Bank ) and it is highly likely that they discarded the card after the last attempt. 

I feel I have exhausted my attempts to get the monies refunded. Nor am I able to talk directly to anyone in the fraud department and explain the situation. By the replies received, TD Bank does not fully understand how this happened ( as I have submitted written testimony, this would be unlikely ) or they are fabricating automated replies in order to exhaust me ( likely ). 

I might add that I am a longtime customer with TD Bank. 

I ask you kindly for your assistance in this matter. 

Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.
Product: Checking or savings account

Bank of America has sent me information identifying that XXXX XXXX Banking accounts were opened in my name. First occurrence was receiving emails in XXXX XXXX  that the accounts were successfully opened, then email notifications that the email address as been changed. Then I received mail a few weeks later with the banking information. I went to a local Bank of America branch ( located at XXXX XXXX XXXX XXXX XXXX, SC XXXX ) and spoke with someone there about getting those accounts reported as fraud and closed. I am still receiving statements as if the accounts are still open. There were a total of 2 accounts opened in my name, with my SS number, even with my credit being locked/frozen with the top 3 credit bureaus ( have been locked since XXXX ). All accounts show a {$0.00} balance and when I spoke to the employee at the BoA branch, she made this comment ; " you're like the 10th person to come in here this week about this. '' I'm honestly surprised there has not been more information released about these fraudulent accounts being opened. I also am not a Bank of America customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Product: Credit card or prepaid card

On the XXXX of XX/XX/2022 I accidentally made a bill pay of XXXX to my bjs credit card instead of XXXX. When I discover the mistake I contacted Comenity bank which is the company that bjs credit is from. I kept getting all kinds of excuses I received two letters from them with a blank date on it from what date I would get my money, I am truly fed up and they need to be held accountable it's now XX/XX/XXXX XXXX and no money
Product: Checking or savings account

On XX/XX/2021 check number XXXX cleared my account in the amount {$4800.00} at USAA bank. Today I go to my account and my entire checking {$2100.00} account balance was taken to {$0.00} with an overdraft amount of an additional {$2700.00}. So I looked at the account and USAA processed a check payment again on check number XXXX in the amount of {$4800.00}. I contacted USAA and was first told that the merchant had processed the check twice and that USAA would return the check but my funds would not be returned for XXXX to XXXX business days. I contacted the merchant, who then contacted XXXX bank and no such reprocessing occurred, USAA lied. I contacted USAA and they transferred me to the XXXX resolution center. That department says a work order to reverse the damages caused was sent but it will take XXXX to XXXX business days.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SOME INQUIRIES ON MY REPORT THAT DONT BELONG TO ME.
Product: Credit card

With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing 26 accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals.

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have 30 days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit XXXX department has not been able to assist in any way. Please Please. 

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE 30 DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR 26 INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for 26 individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in XXXX 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I was referred to you by XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX was opened XX/XX/23 and charged {$1200.00} without my authorization. Spoke to the card company and they said they will look into it, spoke to XXXX XXXX and they have no account with my name or social.
Product: Checking or savings account

In XXXX I paid {$1500.00} for a XXXX coupon certificate of deposit at XXXX XXXX XX/XX/XXXX in XXXX. The account was in my then married name and directly underneath it said " XXXX XXXX Account. '' The term of the CD was 29 years, so it matured in XXXX and the value was {$21000.00}. In the ensuing years I XX/XX/XXXXand leftXX/XX/XXXX forXX/XX/XXXX. In XXXX I wrote an e-mail to XXXX XXXX XX/XX/XXXX ( who I learned had acquired XXXX XXXX XX/XX/XXXX ) and asked them to update my account information. They provided me with a telephone number to call because they could not update the information without talking to me apparently. I made a note on a copy of the e-mail of the fax number I was provided and the name of the individual I spoke to. To my best recollection, I have never received any mail correspondence from either XXXX or XXXX since XXXX. 

I put my receipt back in my files and did not run across it again until late last year. My research showed me that most of XXXXXX/XX/XXXX had been acquired by Bank of America, although a small portion of it had been renamed XXXX XXXX, but that had been acquired by XXXX a few years later. Several calls to Bank of America have gotten me nowhere. The account number listed on my CD receipt does not match any numbers they have ; they also searched my name and my SSN without success. 

Since then I have made many phone calls and been sent in many directions. I contactedXX/XX/XXXXBofA XXXX XXXX. XXXX. ofXX/XX/XXXX, XXXX XXXX in the XXXX ( which name had showed up on the XXXX email I sent to XXXX ), XX/XX/XXXX XXXX XXXX, XX/XX/XXXX ( because of their BofA affiliation, XXXX XXXX, the OCC, and finally the FDIC who gave me this web address. No one claims to have this money.
Product: Credit card or prepaid card

I was informed via email that this entire issue is being rectified by the three credit Bureaus ; XXXX, XXXX and XXXX, and the investigations are almost complete. I was told that my credit rose to XXXX, Exceptional. ( I took a photo of that. ) But now when I view it, I see that it only rose to XXXX, and is still " FAIR ''. 

( This " error '' that was COMENITY BANK 'S FAULT lowered my credit status XXXX points! ) On the morning of XX/XX/2023, I called Comenity Bank and spoke with XXXX and I explained that I didn't owe them {$21.00} since I was credited that amount. 
( Document attached ) That {$21.00} increased in size to {$84.00} due to interest and late fees. I told XXXX that I didn't owe them any money. I ( again ) told him everything. 
XXXX told me that they were sending a check for {$84.00} and I should receive it in 5-7 days. He also said that I owe them nothing, everything has been cleared BUT, on my credit report, I am seeing that I owe {$4.00} to Comenity Bank. (? ) I check my credit status through one of the Bureaus and it shows that I owe {$35.00}. 
( I feel that XXXX lied to me. ) How can I owe any money? This is supposed to be rectified? 
I can not see the results of the investigations with XXXX, XXXX or XXXX because, for some reason, I can not sign in. 
My email is not recognized ( I only have one ) and then when I " create an account '' it is noted that, " This email already exists ''. 

I have dealt with so much stress with this entire issue. It needs to be fixed and stay fixed. NO MORE FALSE PROMISES. 
How can we do this? 
Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I I Filed a complaint number ( XXXX ) with the CFPB to ( Equifax ) and they responded that they sent it to the company however This company has failed to address this complaint and they didn't notate the dispute on my credit reports. I have attached screenshots for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forgot to attach my original complaint ( XXXX ), which is Still Open. This Report/ Complaint Results took more than 30 days, and I was not notified of the results within that time and longer. The following was my complaint and must be deleted immediately In Accordance with the Fair Credit Reporting Act. My request for a line by line investigation of the following accounts was not completed. I am Really, Really upset because I have been waiting on the results of my requested line by line investigation XXXX with the Fair Credit Reporting Act for a long time. The following accounts violated my federally protected consumer rights : XXXX XXXX XXXX Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX xxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxxx XXXX, XXXX XXXX XXXX, Account # XXXX. In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( XXXX ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. My disregarded and unanswered dispute is attached. All of these account must be deleted, by law because to this day I have received no results in the attached complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX was the same request to resolve and issue I called on XX/XX/2021, to inquire why they were on my credit report as a hard inquiry, they sent me a letter. When I got the letter to see why I got the hard inquiry for their card when they did a SOFT inquiry without my approval. That is when they checked the file on XX/XX/2021 to see what was happening. This apparently resulted in another HARD inquiry just for finding out what was happening with my application on file. I will agree, I do not understand how most of these credit card companies work. Please help me and remove these two hard inquiries off my credit report. This was not fair and not authorized to place a hard inquiry on my credit report. Please help me and delete both inquiries.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Student loan

On XX/XX/year> I received an interest accrual notification, I am on the XXXX Plan, there should be no interest accruing at this time due to pending litigation and the fact the interest rate is 0 %.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a XXXX XXXX credit card with Capital One, and have accumulated over XXXX miles for travel. Today I signed into my account to set up a miles transfer to an airline. I was able to log in to my account after signing in with my credentials and the 6-digit code Cap One texted me as part of their dual authentication process. However, when I landed on the Rewards page to set up the miles transfer to the airline using the " Convert rewards '' button, I received an error message saying, " Looks like we don't have the necessary contact info to complete a security step. '' This message in itself is a lie and deceptive, as that exact phone number is what was used for me to receive the 6-digit code from Cap One in order for me to access my accounts. This error message only appears when I try to set up a miles transfer. I called Cap One and the representative told me their system has an " issue '' and miles transfers have not been available to cardholders since XX/XX/XXXX- that's almost one month! I follow a page on XXXX for this credit card, and there are cardholders who stated they have been able to set up miles transfers recently, so I don't understand why I can not. This credit card costs {$390.00} annually and it advertises a cardholder 's ability to make miles transfers to airlines. Since I am unable to, I feel their advertising is deceptive and it is unfair for me to be unable to make miles transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of  XX/XX/XXXX  I received a Experian copy of my credit report with no credit scores and there is still  XXXX  Hard Inquiries from 1.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX  ,  XXXX , Utah. XXXX .  XXXX   Dated  XX/XX/XXXX .
2.  XXXX   XXXX   XXXX   ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   , Texas. XXXX . (   XXXX  .Dated  XX/XX/XXXX .. ( Unauthorize Hard Inquiries ) 3.  XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  , Texas. XXXX , Dated  XX/XX/XXXX  . ( Unauthorize Hard Inquiries ) Why Experian did n't delete this Unauthorize Hard inquiries fro my credit reports.
Also my Experian credit score has n't be updated, as of  XX/XX/XXXX  my Experian is very damaging at  XXXX ..
 XXXX   XXXX .  XXXX   XXXX .
 XXXX  and  XXXX  has n't deleted all the unauthorize hard inquiries from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle shopping and was already financed through my bank, informed the dealerships that I was browsing that I already had an approved check through my bank and no financing needed to be done due to being financed through my bank. I did not give permission for my credit to be ran causing me to have an overwhelming amount of hard inquiries which has affected my credit. Please see the enclosed listings of hard inquires as follows : 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