23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Claim # XXXX with citizens bank. 
I applied for a credit card from citizens bank, I have never received the card and all of a sudden I got a notification from XXXX credit reporting that there is a higher usage and the card that I have never received yet. I reported the fraud via phone call to citizens bank Claim # XXXX, and they sent me a replacement card, seven days later they sent me a letter stating that the claim was denied! They said that I have activated the card using the phone number on file on the day of XX/XX/2022 which is never happened! I want to my phone carrier I printed out XXXX bill to show them the proof that I didnt receive the card nor activated it from my phone, but they never pay me any mind, and Im so concerned about my credit getting hurt by this matter. 
I want this issue to be fixed, the first 5 fraudulent transactions from the XXXX XXXX was a fraudulent Transaction in the amount of {$4100.00} and their lie that I have personally activated the card from the phone on file most be held accountable and the credit amount most be billed back to my credit card account, the only card I received and activated was the replacement card on XX/XX/2022. And for them to close their Investigation within just two days from the report thats a joke and Im willing to practice my legal actions against citizens bank if they didnt resolve this issue for me! 
Thanks and best regards. 
Please find the attached documents which is included with- the Denial letter from citizens bank. 
- Detailed phone bill for the specific day that day said that the card was activated on using the phone number on file - bank statement that includes all the five fraudulent transactions. 
-Proof of faxed documents to the fraud department of citizens bank fax number been provided by the citizens Bank customer service fraud department XXXX
Product: Student loan

I started working with Student Debt USA XXXX years ago. They promised me they could get my monthly loan payments lower than I could working through the Federal Student Loan agency. I now know that is not true.I could have received the same payment by managing my own student loan. They also told me the best thing I could do was to consolidate my student loans, which I did. I now know this impacts my loan forgiveness plan. They were also taking {$35.00} out of my account every month, even over the last XXXX years when there was no loan processing necessary. I have tried to contact them several times over the last couple of months with no response. I finally sent them an email, XX/XX/2022, requesting that they call me within a week or I would stop payments. They did not call me, but they withdrew XXXX payments ( {$35.00} x XXXX = {$100.00} ) in XXXX, XXXX Apparently, trying to get as much money as they could before I stopped payments. Employees I worked with at Student Debt USA were XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is only my first complaintI will be telling anyone / agency that will listen. Student Debt USA misrepresented their services and stole thousands of dollars from me.
Product: Debt collection

BEEN SEEING THESE FRAUDULENT ACCOUNTS FROM MY REPORT AND THESE FRAUDULENT ACCOUNTS ARE STRESSING ME OUT. I WANT THESE TO BE PERMANENTLY REMOVE FROM MY CREDIT REPORT.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting

Experian has negative and incorrect information. I sent a letter to them and the credit grantor to the address on their report which came back undeliverable because they are out of business. the letter from Experian stated they could n't make any changes, would n't investigate again ... .oh and it states this information must stay on your credit report for 7 years. This loan was paid in full in XX/XX/XXXX ... this is now XX/XX/XXXX ... do the math. They are difficult to reach as their website says that can be reached on weekends yet when you call during said hours they are closed with no explanation. How can I possibly get this information fixed?
Product: Money transfer, virtual currency, or money service

I have been an account holder of Chine for over 4 years and my payroll and retirement checks are direct deposited into my checking account monthly however, Chime refuse my mobile deposit of {$15000.00} on XX/XX/year>, which is under the {$20000.00} maximum limit.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I have requested a validation of debt, to understand why Ally Financial was requesting for payment, when the contract was with a different party. I never received any check stating an amount of money for a loan. 

They have not fulfilled my request, and trespass on my property on XX/XX/2022 to take the vehicle while I was in peace playing with my children.
Product: Credit card or prepaid card

XXXX XX/XX/2021 PAYPAL Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Gentlemen : Twice in the last few months PayPalCREDIT has attempted to charge my account Late Fees despite my payments being made several days ahead of due dates. These payments were electronic and I have verified with my bank that funds cleared timely. In both instances I wasted time speaking to your agents who argued the matter and in the first case reluctantly waived the fee. On the second occasion, the agent refused noting that an accommodation had already been granted. I requested to speak to a Supervisor but after a lengthy delay he failed to find one. 

These instances do not constitute customer service accommodations, but rather deceptive trade practices and fraudulent activities. I shall not waste further time on them, I shall not pay any related fees or interest and I will refrain from using your services until such practices are remedied.
Product: Mortgage

On XX/XX/2018, our home was destroyed as the result of the Camp Fire in XXXX, CA. It's known as the worst disaster in history. We received a check from the insurance company that was 96 % of the payoff of the home. We promptly sent the check to SPS Servicing , Inc. ( our mortgage company ). We are working with a private attorney to sue the Insurance Agent ( not company ) for not changing our insurance from rental to primary. The mortgage company knew we were short. They received 96 % of the funds in XX/XX/2018, but refused to apply those funds towards my account as they wanted us to rebuild instead. We do not want to rebuild. Our lawyer finally got them to apply the funds to our account. They have put a negative mark on our credit. They also will not accept a short pay option to clear the last of the debt. Our lawyer is appealing the short pay denial. 

This was not our fault. SPS wants to foreclose on a house that no longer exists. 95 % of XXXX burned down that day. The town no longer has infrastructure. Our credit is now damaged.
Product: Payday loan, title loan, or personal loan

I opened a loan Personal Finance, which is owned by Mariner Finance onXX/XX/XXXX, No bank or credit Union would cash the check so I went back the next day on XX/XX/XXXX returned their check and contract, they voided loan and gave me hand receipt. I received a bill from them yesterday stating that my payment was coming due on XX/XX/XXXX7. I also checked my credit and see that they have me having an open loan with XXXX amd XXXX, which means my loan was never voided.
Product: Credit card

i noticed some unauthorized inquirys on my credit report. I did not authorized any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am submitting a complaint against Bank of America for unfair practices in handling my mortgage account. I did apply for a loan modification on my current mortgage and was offered a mortgage modification agreement package by Bank of America. I made it clear over the phone that i was not interested in the mortgage modification offer to the home loan account specialist XXXX XXXX. XXXX XXXX even had me fax in a signed letter stating that i was not interested in the modification offer and wanted my current loan to be return to normal servicing. I never replied or sent in the paper work that came along with the mortgage modification agreement package. On XXXX/XXXX/15 i made my regular mortgage payment of {$2400.00} at a local Bank of American branch. I received a letter dated XXXX/XXXX/15 stating that my mortgage payment of {$2400.00} was not applied to my current mortgage and that it was going to be set aside on a unapplied funds account on my loan. I never authorize this practice to be implemented on my mortgage loan account. I want to investigate who in Bank of America authorize this practice on my home loan.
Product: Checking or savings account

Respected Sir/Madam I do have an personal bank account in US bank since XXXX till date. Recently in XXXX XXXX I have opened another personal bank account in XXXXXXXX XXXX XXXX. Since XXXX XXXX account is a new account and had no money in that so to save money in my new XXXX XXXX personal bank account I had made a XXXX transaction of amount {$3500.00} from my US bank account to XXXX XXXX on XX/XX/XXXX. I have received an email from US bank on XXXX XXXX saying that {$3500.00} has been deposited into my XXXX XXXX XXXX account. But when I checked my XXXX XXXX XXXXk account I did not find an amount {$3500.00} in my account and still today that amount has not reflected/deposited into my XXXX XXXX XXXX account. I have immediately called US Bank and XXXX XXXX XXXX after observing that issue on XX/XX/XXXX but I didn't get any proper response from both banks. I have made so many calls and I explained them about the issue but any of those XXXX bank representative responded properly. So immediately I booked an appointment to meet my US bank XXXX about this issue. I have met him and explained everything about my situation and issue I am facing with. He checked and informed me that from their end its showing that amount has been deposited to XXXX XXXX XXXX account.I have shown US bank XXXX my XXXX XXXX account to confirm him that the amount is not their in my account and given all details he asked for. After looking into my XXXX XXXX account he also recognized that amount is not deposited into my account. Even I have raised dispute with US bank about Transaction made but that dispute has been canceled by US bank and when I asked reason for Dispute Cancellation they informed that since from their end transaction is showing as deposited into XXXX XXXX XXXX  account so that they can not make any dispute. Even When I called XXXX XXXX  none of the representatives/ manager responded properly since from XX/XX/XXXX to till date I am calling them but they didn't help me with anything.I shared them all the details they asked for like trace number, Transactions details and everything whatever they asked for and requested to raise a case but they didn't raised a case and lied to me saying that they have raised a case. Again I raised case and they repeated the same. When I asked on XX/XX/XXXX about case status they told me there is no case created and again I gave them all details to raise a case. But they are not serious about this issue and still I didnt received my amount of {$3500.00} into my account. It's already XXXX  months I waited on this issue but none of this both banks helped me. Both banks are responsible for my amount and I didnt get a proper help from them. I am in urgent need of money and I sincerely need your help on this as soon as possible. I hope at least I will get help from your end.
Product: Vehicle loan or lease

I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX. I bought a car ( XXXX XXXX XXXXXXXX ) from a dealership in XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. That was my first car in the states and didn't know anything about financing and APR and how the auto dealership can scam you. The XXXX car which barely worth {$14000.00} at the time, cost me XXXX. The dealership also sold me an auto service contract which I never asked for. They didn't even provided any of the documents to me not even the car 's title. They asked me to sign everything digitally and I did it. The first company that finance me was Security National Automotive Acceptance Company LLC, later without informing me the financing company changed to Westlake Portfolio Management. I had an accident in XX/XX/XXXX and the XXXXnsurance company " XXXX '' declare it a total loss. My XXXX insurance paid them {$12000.00} and rest was paid by the XXXX insurance. They should have paid me back the amount they charged me for the auto service contract which I never used it. I tried contacting them through several phone calls and they all ( dealership, financing companies, the XXXX insurance " XXXX XXXXXXXX XXXX " and the auto service provider " XXXX XXXX '' ) ignored me and keep passing on to each other. 
So after working hard for years on my credit, I though I should have a good credit. But after applying for very small loan, the loan officer told me that I have an unpaid balance from auto loan company named Westlake Portfolio Management. I tried contacting them, they told me my account was closed and gave me another company 's name to contact after I explained the situation. I tried calling them everyday, but nothing yet. So I need your help in this, because they ruined my credit, overcharged me and not responding. Thank you.
Product: Credit card

This company preyed on XXXX Spouse. By not knowing the law in accordance to the Military Lending AcXXXX. The lender/Institute persuade the spouse into signing for the credit with High Interest rate over 36 % in violation of the Military Lending Act. The Institution is called American First Finance. They never respond to me regarding this unfair Lending that destroyed my XXXX  career at this moment.
Product: Checking or savings account

Keybank continue to report that I have a negative checking account when they allowed transactions to be removed from my account after they placed a hold on the account. When I requested to close the account due to unauthorized charges, they stated they would place a hold on the account, not allowing any transactions to come out but I could not deposit either. They continued to allow merchants to complete unauthorized withdrawals and are trying to charge me for it. I am not responsible for these charges.
Product: Credit card

This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.
Product: Checking or savings account

I signed up for services that I didn't approve of like identify fraud and I was charged outrageous over draft fees.
Product: Credit reporting or other personal consumer reports

RE Account Numbers- XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Checking or savings account

on XX/XX/21 around XXXX I called the number XXXX because I receieved a text message from XXXX saying to call my Citizens bank account because it was an emergency. When I called the number, they asked my 16 digit atm debit number, my social, date of birth, security code, pin, and date of expiration. I did not realize until it was too late this could be a scam and I didn't get a notification from my bank. My banks customer service is not available at the moment.
Product: Checking or savings account

On XX/XX/XXXX {$15000.00} was fraudulently withdrawn from our savings account with a use of a debit account. Our bank is Bank of American who we contacted immediately. We reported it to Bank of America, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. Phone number is XXXX XXXX. Their internal fraud report apparently says that some one in the XXXX region open a debit card in my name. Our address is XXXX XXXX, Florida, XXXX. My wife has a debit card but I do not. Apparently the fraudulent card was opened in XXXX ( XXXX ), Florida which is on the west side of Florida and we live n the XXXX side. The person apparently attempted to withdraw money through an ATM machine connected to Delaware from a Bank of American office but was declined. He went to a Bank of America teller and withdrew {$7000.00} and than went to another location and withdrew {$8000.00}. I have been assured that if the money was fraudulently taken I will get it back. My issue is it is a lot of money for my wife and I and we have asked Bank of America twice to at least confirm in writing that the fraud happened and they are investigating and need a certain period of time to complete their investigation. We call the fraud line but get a different state and obviously a different person each time we call and they give no information except that it will take 30 to 60 days. I am concerned that at the end of this period they may not even acknowledge they are working on it. Even though Bank of America has promised to send an acknowledgement letter to us by email and by mail we have not received anything. This may be standard procedure and they may have to be very careful on what they say. This is my first experience in dealing with something like this. I am also surprised they do not make it clearer that we our covered by various financial regulations to help us alleviate our financial fear. The Bank of America local office has been very nice but all they can do is call they same fraud line that we call and get the same answer. I guess I am really concerned that if I am patient that in 60 days they will still not tell us anything.
Product: Vehicle loan or lease

I had a XXXX  XXXX XXXX in which was called and deemed a total loss my insurance has paid them over 90 % of principal and is still pending a cap claim but the financial company also known as pronto finance is still trying to collect money from me and threatened my credit as well
Product: Credit card or prepaid card

On XXXX XXXX I called XXXX Barckleys about the promotion they offer me about balance transfer to my checking account, I spoke with someone from XXXX to process my request, she asked me if I am ready to accept balance transfer, I ask her what account number you have, she said tell me your account number, I told her three times and I ask her to repeat the account number to me, she said it matches the number I have but I cant repeat to you because of security reason, I never receive the money and they charge me to my credit card and they want me to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/1972, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent information to XXXX, Experian and XXXX about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to me