23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is in regards to both dispute and rebuttal denials. 
On XX/XX/XXXX my cell phone and wallet was stolen in XXXX. My card had already been compromised before I could make contact with Chime ( cell phone taken for I could not make calls ) when able I called into report theft of both my credit builder and debit cards to be cancelled and new cards were sent in mail. 
I was told after transactions completed pending status is when could file dispute. 
On XX/XX/XXXX I filed dispute. Claim was originally denied. I requested documentation as to why denied. I did not have supporting documents. NO error found. 
I then filed rebuttal on XX/XX/XXXX and uploaded copy of the police report and tracking number for supporting documentation. Followed up with customer service on XX/XX/XXXX and XX/XX/XXXX and I was told during the rebuttal process there would be review and would be issued temporary credit on account of {$1200.00} on XX/XX/XXXX. Instead my rebuttal was denied and no credit was issued and letter sent. 
I called back on XX/XX/XXXX and spoke with supervisor to request documentation of denial ( again ) and had this issue escalated. 
I have now received email with information. NO error found. 
I have been patient through this whole dispute/rebuttal process. My whole life was in that wallet from ID/Driver License, ss #, insurance cards, credit cards, etc! I had to freeze all XXXX credit bureau accounts for fear of any identity theft. This has also caused a financial strain in the amount {$1200.00} NOT {$12.00}! just waiting on money to be returned. 
I have had my Chime account for several years now and up until XX/XX/XXXX never had any issue with my account. CHIME is FDIC insured and i should be protected but my claim is still denied. I don't understand when all I have is my police report for support. There was another one of my main bank cards also that was compromised before could contact the bank in the amount of {$500.00} at the same XXXX and that account has already been credited back. 
On the intake form dates do not match. 
There is a question : when was card last used? Answer is XX/XX/XXXX this is incorrect! Phone call logs should show initial call in was made XX/XX/XXXX to report stolen cards. The theft happened on and card was last used XX/XX/XXXX by me around XXXX at XXXX XXXX for {$98.00}. ** and I used my cell phone to tap pay this amount. 
If you look at the close time stamps XXXX, XXXX, and XXXX and dollar amounts these XXXX amounts are all unauthorized transactions! 
My card was not locked at the time and pin # was bypassed and the transaction was successful. 
All I have is my case # : XXXX XXXX filed with IMPD and detective assigned to my case. I will follow up again for any updates. 
Please advise what else is needed to get claim approved and money credited back to my account. 

On XX/XX/XXXX, I filed complaint with my lawyer 's office XXXX XXXX XXXX and letter was sent for refund of account. Chime has also denied their correspondence as of XX/XX/XXXX as " No Error Found '' Claim closed. This is my XXXX attempt to get this matter resolved and monies returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This is the forth time I have requested that this information be removed. This information does not belong to me for the accounts XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!! I have submitted this complaint XXXX on XX/XX/20 and nothing was done & today three months they still have these accounts listed along with two inquiries XXXX XXXX XXXX XX/XX/20 & XXXX XXXX XX/XX/20. Please delete this information for XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$960.00}. 
I have provided ID information & I am getting responses about ID. I have provided you with sufficient ID & reports.
Product: Credit card

First of all I got an invitation in the mail to apply for this credit card. 

Then, I was approved for Capital One credit card for {$300.00} AND received an email that I would recieve the credit card by XX/XX/XXXX. 
on XX/XX/XXXX I spoke with a Manager named XXXX and I told her I never received the card. She took a step to change the card number with out checking to see if it was returned back to them or not? 

Several attempts to address my complaint about not being able to log-in online with my user ID and password. Spoke to XXXX XXXX Acct Supervisor Spoke about never receiving credit card same thing around and around without any type of resolution. 
On XX/XX/XXXX I spoke to XXXX ID XXXX XXXX again no resolution for me. 

I've called back several times and they stated they needed to verify me with the drivers license number, and photo ID. I disputed I would provide. XX/XX/XXXX I disconnected after being asked so many times? 

I never even got the credit card in the mail and the woman closed the credit card I supposedly had, and added a new card number since I didn't receive the one they stated they sent? 

Today I got help to log in online., I still couldn't see anything but the last four digits of the card number and the associates stated I needed to send in my drivers license any order to get a credit card in the mail after several attempts to verify myself with a screenshot of my drivers license front and back copy and a current front face pic to prove who I am. 

Seems like something from the Dark Web and goes in circles to get more information about you and your information This isn't very professional, and I would like the account closed as they don't seem like they are affiliated with Capital One credit card company, and they didn't act very professional and stated they were from the XXXX when I spoke to the associates.
Product: Credit card or prepaid card

JP Morgan Chase Bank- {$5500.00} XX/XX/XXXX updated my credit reports to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

XXXX- {$450.00} XX/XX/XXXX, XXXX regularly updates my credit report to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

Both companies refuse to acknowledge my XXXX XXXX military status and apply my benefit of the Servicemembers Civil Relief AcXXXX. Both companies refuse to correct my legal name. 

The customer service representatives of both companies were rude, disrespectful, and unprofessional. Military personnel beware for both companies are not military friendly.
Product: Mortgage

Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.
Product: Credit card or prepaid card

Someone cloned my debit card and stole ~ {$2000.00}, Bank of America has denied my claim and not given any real reason.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXl # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, : Public Record XXXX XXXX XXXX XXXX # XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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

I sent a letter to the law office requesting 1. verification of the amount of the debt, including a breakdown of principal, interest, and fees.

2. The name and address of the original creditor.

3. Proof that I am responsible for this debt, such as signed agreements or account statements.

I received a response 17 days later. The documents provided still do not clarify and verify the validity of the debt being requested to be paid. 
They did not provide a breakdown of principal interest and fees. 
Lastly, They also still do not provide a working means of paying the debts electronically.
Product: Credit card or prepaid card

1. From XX/XX/XXXX to XX/XX/XXXX, my card shows fraudulent charges. 2. The card is cancelled by Bank of America ( BoA ) and all the charges are reversed. 3. On XX/XX/XXXX and XX/XX/XXXX - BoA charges 50 and 250 dollars of these fraudulent charges back to me stating that their fraud department believes that these are genuine charges and not fraud charges. 4. I call them up on XX/XX/XXXXand argue that these are not transacted by me and BoA says that they will reopen the case and it will get resolved in 5-6 weeks. 5. I check my online account on XX/XX/XXXX, 9 weeks after my discussion with BoA consumer service and Fraud Department, the charges are still there and nothing has happened. I call the Fraud Department and they say that it takes 2 billing cycles since by request to resolve a case. First they say that it will be end of XX/XX/XXXX, but after I calculate the exact billing cycle end it turns out it will be XX/XX/XXXX. 6. Based on my discussion, I do n't think they will do anything.
7. This is a case of an ineffective fraud department.
8. I would like CFPB to help me resolve this.
<P/>
Thanks.
XXXX
Product: Checking or savings account

At the end of XXXX beginning XXXX, I noticed there was a $ XXXX monthly maintenance fee on my account that wasnt there before. I contacted Bank of America about this ( cant recall exactly the month but pretty sure it was XXXX ). They told me ebanking accounts had been removed and now fees had become applicable. I contacted them again this year because I figured grandfather clause applied here. Still, nothing was change and I was told I would just have to deal with it. It wasnt until I talked to my father about it when he told me as a student, I shouldnt have been paying for it either since the student discount was on my bank account. With that information, I called Bank of America XX/XX/XXXX and they admitted to be at fault after lookin through my account. They agreed to refund me up to a year and refused to give me the rest. I told them that I had been trying to solve this problem and they said it didnt matter, its only up to a year
Product: Debt collection

On XX/XX/2019 I called CKS Financial to discuss a debt that was owed to XXXX XXXX XXXX XXXX ( XXXX Credit Card ). That day I spoke with 4 different customer service representatives on 4 separate phone calls. I had previously called in numerous times and I was told several different answers to the same question. I was concerned with this debt being removed from my credit reports and on some occasions I was told yes, it would be deleted ( removed from all 3 credit bureaus ) after payed and then on some occasion I was told it would not be deleted. On XX/XX/2019 I was told that it would be deleted upon satisfying the debt so I decided to satisfy the debt. I was told by 2 different customer service representatives that it would be deleted once it was payed and that " they do things differently now as in, in the past, this was not an option but now it is ''. I took a leap of faith and was hoping that I was being told the truth. Now, a month later and the amount is updated to " paid '', my credit score has dropped yet again due to this company reporting on the payment and after a dispute with all 3 of the credit bureaus, it has not been removed. I feel as though this company took advantage of my willingness to satisfy the debt and took advantage of me in that moment. This company was deceitful in their tactics to collect from me. 

CKS accound ID- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Gap card issued through Synchrony Bank. My account was in good standing but closed due to what they called an unfavorable score on my credit report. Prior to the pandemic my accounts were all in good standing and most are still today. This has shown up on my credit report which now further affects what is deemed my creditworthiness for a situation that was completely out of my control and an account that has always been in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX Re : Removal Request for Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to request the immediate removal of inaccurate information from my credit report. According to my recent credit report, there is an erroneous entry regarding this act of Identity theft. 

1st let me thank you for the opportunity to explain my horror story. I was a victim of a car jacking/robbery where my Identity was stolen and used by a thief by the name of XXXX XXXX XXXX The criminal used my ID to purchase high end items and an apartment and was living in it. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The low life that has made my life a living XXXX was actually arrested and apprehended in the apartment that was fruduently leased in my name. I work for the XXXX XXXX XXXX XXXX XXXX and if you look at my credit report this is the only thing keeping me from living my life. XXXX has deleted it already ( Please refer to attachment ) XXXX is in its last steps of deleting it ( Please refer to attachment ), and XXXX has now filed a Fraud Case and should be deleting it shortly. 


I have carefully reviewed my credit report and found that this information is incorrect. I have never had any association with the account mentioned above, and I have never been delinquent on any payment to any creditor. Therefore, I request that you remove this information from my credit report as soon as possible. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. As per 15 U.S. Code 1681b, I am requesting that you take immediate action to correct this erroneous entry and send me a written confirmation of the removal of the information from my credit report. 
Please be advised that failure to comply with my request within the stipulated time frame will result in legal action against your company. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to pay for an online purchase for {$240.00} and transferred funds out of my Chime account into XXXX to complete the purchase. Once the money was sent the seller disappeared and their site eventually disappeared too. XXXX has confirmed the account was fraudulent but they can not recoup my funds due to their limitations on the system they use. In the meantime on XX/XX/XXXX I reached out to Chime because the money was transferred out of my account with them. I opened a case but they also have not been helpful. They are saying they will have an update for me in XXXX which is months from now. The person scammed me and no one is trying to recoup my funds or assist me in resolving this manner within a reasonable time frame. I would like Chime, who is a bank compared to XXXX, to help me get my money back. Chargebacks or whatever else needs to be done here.
Product: Checking or savings account

I revoked ACH authorization from XXXX which was confirmed on XX/XX/XXXXXXXX  and they still charged me for {$65.00} on XX/XX/XXXX. They said they can not refund me after acknowledging that I revoked ACH and have since cut off communication with me. I reached out to my bank, Chime, and had a stop payment placed on XX/XX/XXXX as well and they still processed the payment on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my Experian and XXXX credit report. My latest credit report shows XXXX credit inquiries that I did not authorize. Please remove these hard inquiries from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

There are several incorrect items on all 3 credit bureaus. The items, accounts, and collections are fraudulent. They do not belong to me. Some of the items include, names that are not mine, social security numbers, as well as multiple addresses and phone numbers of which have no relation to me. I have contacted experian, equifax, and transunion to delete the information to no avail. I have also contacted the reporting companies with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed an account with TRANSUNION as fraud, sent certified letter, uploaded to their server, and followed all their polices for fraudulent and inaccurate info. They will not remove the information and they won't do anything except send me in circles. They are violating my consumer rights and they are failing to provide accurate information on my report which is keeping me from purchasing a home or obtaining credit. This is the worst experience I have ever dealt with. It's been over 30 days and no response.
Product: Credit card

On Friday XXXX XXXX I contacted Synchrony Bank, the issuer of my Walmart Mastercard, to inquire as to the status of a check I had sent over a week earlier as payment which still had not posted. The agent, XXXX, gave me a run around, first telling me the check never arrived, so when I stated I will have to do a stop payment, he told me no, the check has arrived but has not been processed. I then asked to speak to a supervisor, he refused. I had to ask XXXX times in total before the agent would transfer me. While on hold for a supervisor, I received an email security alert from Walmart that someone had just used my account number and social to acquire my online user ID ( email address ). When I finally reached a " supervisor '' she stated that he did that to verify my information, problem is the page to do this explicitly states only the card holder may fill this form out. I believe the agent XXXX is attempting to steal my identity or use my email address in nefarious ways and want this issue addressed.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXXXXXX XXXX XXXX, 2017 Dear : Consumer Financial Protection Bureau I 'm seeking assistance concerning my home equity loan with Bank of America. 
They 've changed the terms of the original signed contract between us without my consent, because I would not sign papers placing the Bank from a loan originating in XXXX 'to a lien position regarding my property years after they discovered on their part they 'd not done due diligence and grossly neglected to process the loan correctly. 
Then threatening and using bribery tactics which they carried out. Causing me financial damages including not issuing my XXXX interest deductions for the HELOC. As they 'd done previous to them realizing the mistake. 
I 've tried contacting the appropriate department within B of A for years now including written correspondence ( copies included here ) To which they responded with a generic form letter that has nothing to do with what I was requesting. 
I 've included, with this correspondence to you copies of my letter to B of A and the original letter they sent me regarding this issue. And other copies. 
Please help, as I do n't know what or who else to contact at this point. 
I 've always made my payments on time, never been late regarding this loan. And am current to date. 

Thank you, XXXX XXXX