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

Our new ATM cards were mailed to us by regular XXXX mail, without a warning from the bank that the cards had been sent, then they were somehow stolen from our communal mailbox after delivery. The cards were activated by a third person then used at a casino for over {$1000.00} on XXXX XXXX XXXX After a fraud report was filed with USAA, they credited our account back for the amount fraudulently spent. We also contacted the police after the theft and have the case number available. 
XXXX XXXX XXXX USAA took back the credit for the stolen money, and without ever having contacted us, they alleged that the use of the card was not fraudulent because it was in the general geographic area where we live. 
We contacted USAA to ask about the fraud report and spoke to a representative almost XXXX later. The representative said that the person who used the car did so as an authorized user. They said that the person who stole the card called USAA to activate it and the bank, for some reason, added him to our bank account without any other information. We resubmitted our fraud claim with this new information XXXX We are still missing $ XXXX from our bank accounts and have spent over XXXX hrs on the phone or email.
Product: Checking or savings account

On XXXX XXXX, XXXX I was charged 3 times for one purchase at XXXX 's. I was charged XXXX XXXX times on my Fifth Third debit card. 
I filed a dispute with XXXXXXXX XXXX  ( on XX/XX/XXXX ), who seen the mistake, admitted it was a computer error and has yet to refund me. It is still being investigated. 
I called Fifth Third on XXXX XXXX, XXXX, when I noticed the transaction, and filed a dispute. 
Since that time my money has not been restored and the bank has not refunded my account or given me a specific time on if or when that will occur.
Product: Credit card

I am writing to file a complaint regarding the denial of my credit card application with Bank of America, which I believe was wrongfully executed and in violation of consumer protection laws. 

On today, I submitted an online application for a credit card with Bank of America. However, to my dismay, I received a screen message informing me that my application had been denied. This decision came as a surprise to me, especially considering my previous positive credit history and the fact that I was recently approved for a car loan by the same institution. 

Upon receiving a denial, it was indicated that the decision was based on information obtained from a consumer reporting agency. However, under Section 615 ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a copy of the credit report that was used in the decision-making process. To date, I have not received any such report from Bank of America, which raises concerns about the transparency and fairness of the decision. 

Furthermore, I believe that Bank of America may have violated the Equal Credit Opportunity Act ( ECOA ) as outlined in 15 USC 1691 et seq. The denial of my credit card application appears to be discriminatory, as there is no valid reason for denying me credit when I have demonstrated responsible financial behavior and have been approved for credit by the same institution in the recent past.

Additionally, under the Truth in Lending Act ( TILA ) as stated in 15 USC 1601 et seq., consumers have the right to receive a written explanation of the reasons for credit denial. While I appreciate the brief explanation provided in the denial letter, it fails to provide specific details or reasoning behind the decision, which makes it difficult for me to understand why my application was denied. 

In light of the above, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Bank of America if it is found to be in violation of any consumer protection laws. I also request that Bank of America provide me with a detailed explanation for the denial of my credit card application and furnish me with a copy of the credit report that was used in the decision-making process. 

Name : XXXX XXXX XXXX : XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Equifax is furnishing accounts on my consumer report that is a result of an alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I did not benefit from the transactions. I sent Equifax written correspondence which included my proof of identity, an identity theft report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from Equifax that says they froze my account for 90 days. When I tried to call to find out if it expired, I can not get a definitive answer on a credit freeze on my account from Equifax. I've spent hours on the phone and online. One time it seems as there is a credit freeze on my account as I requested 3 months ago, another time it seems there is no freeze and I have to pay {$10.00} to start one. The phone calls to them are useless. Going online does not give me a clear answer. I want to know if I have a freeze so I can protect myself from the data breech from Equifax.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible Loan express Account # XXXX amount {$350.00}
Product: Credit card or prepaid card

On XX/XX/18 and a couple times before I received a call at my work number for my Bank of America Secured Mastercard. I advised they are to call the cell phone on my account. Then on XX/XX/18 they called again and after verifying the account I told the agent that I never gave authorization or that I never stated my work number as my primary phone contact number. The agent advised needed to make a payment on my credit card I advised to call back on the next day as I'd have funds available to make the payment. He said he would he also said that he would update the numbers on my account. I work generally between XXXX so calling my work number wouldn't be a good contact. Also I applied for the secured card inside the Bank of America app which I had for my regular banking and savings and on those accounts they have my cell phone XXXX as the regular contact. I had missed a couple payments and I didn't know the account was in jeopardy of closing. When the man called on XX/XX/18 he didn't even advise the account had closed on XX/XX/18. I had missed a couple statements. The bank advised their primary contact is the mail. But it was also on them to have the right phone number. I get calls from the regular banking side on my cell of XXXX regularly but I never did for the secured card but they were created in the same BOA app. If they had been using the correct phone number I could've been made aware and made a payment to keep the account open. Summer months are often tougher bill wise so I had fallen behind. But BOA being a major bank and all I would've if called on the right number did something to get that payment in. I personally think they should reopen the account and let me continue and it's then on me to get that {$130.00} caught up on the account. If not then they should at least remove it from my credit report and send me my collateral of {$300.00}.
Product: Checking or savings account

In XX/XX/2021 I purchased 5 handbags from a website that claimed that all items are XXXX XXXX Authentic bags and I paid {$990.00} for the bags. 

When I received the bags it turned out to be that all the bags are fake. I tried to communicate with the company but the website disappeared and they are not responding to my emails I tried to call the number listed with no answer till finally I got a text message stating that this number I am calling is not a business I called capital one and informed of what happened hoping that I can get my money back for its fraud and the items I received were counterfeit items and after months of investigation by the bank I received an email from the bank that unless I prove that the items are fake my claim will be denied I tried to find companies that verify authenticity of XXXX XXXX bags but it was going to cost me over {$500.00} to verify and I already lost a {$1000.00} so I could not get the requested document and my claim was denied I want to ask a few questions and would like the bank to answer 1. if bags were authentic they would be worth at least $ XXXX do u think anyone is stupid enough to ask for his money back if he/ she has 5 authentic XXXX XXXX bags worth 6 to 8 times his money? 

2. How did they investigate if the sellers website was shot down?

3. How did the bank contact the seller if the number was a private number not a business number and the seller cant be reached?

4. Since when do u ask the victim of fraud and counterfeit items to prove that items received are fake after all the above details 5. What happened to card protection?

I will not accept the banks unfair, unethical and unprofessional decision to deny my claim and the banks response to the reason of denial
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax and XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrating proceedings against them for similar violations. I request that the CFPB TO ensure that Equifax and XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The following account is what I disputed : XXXX. XXXX XXXX ending in # XXXX
Product: Debt collection

XX/XX/2019. Comenity Bank Called me 7 times on an unknown number leaving a automated voicemail. I am working with an attorney for bankruptcy.
Product: Credit reporting

Experian did not investigate my disputes that I gave a specific statement on they onlysent a embedded print out of a excuse saying I was n't specific. I said this is not mine etc by each disouted item listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/1989 Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did an online hotel booking thru XXXX for XX/XX/2021 to XXXX XXXX and XXXX XXXX XXXX XXXX. 
The finance company Affirm has harassed me via phone and has turned in to the credit bureau I have late payments on a booking that never happened. XXXX XXXX refunded XXXX and XXXX only refunded the Affirm company XXXX on XX/XX/2021. I ow no one for anything and let Affirm know their issue is with XXXX as I NEVER gave Affirm permission to pay for a booking that never took place. XXXX will not contact me about the due monies to Affirm that they have been paid back by XXXX XXXX. This is defamation of character to myself and also blatant harassment. XXXX XXXX XXXX
Product: Debt collection

CREDIT COLLECTION SERVICES on behalf of XXXX XXXX Open Balance : {$960.00} Last reported XXXX XXXX XXXX  Opened : XX/XX/XXXX I am a victim of a natural disaster of XXXX XXXX. I received a threatening letter explaining that if this debt is not paid, my credit reports will be affected immediately. No way to contact this company except for email form. No representative of the company will return phones call or work with me in understanding this alleged debt. They sent the letter during a Florida state of emergency and will not explain anything without immediate payment.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I recieved an alert from credit montitering that a new was opened. XXXX XXXX XXXX. Called company and stated that it was opened fraudently, got a form to fill out did so, also filed a Identity theft report with FTC. Disputed account with XXXX. Still company states its my account. They wont tell me my account number, the city the fraud was commited, the product recieved from the fraud nothing. It sounds likethis company is a fraudenlent company. Unfortunetly I have filled out the fraud pappers with my info in the report. XXXX
Product: Vehicle loan or lease

I declared bankruptcy on XX/XX/XXXX and I keep constantly having to dispute the inaccurate information Equifax is reporting regarding the loan. First, they were reporting missed payment and I disputed that. Then they put 150 days past due in the comments and I also disputed that. Now I this same account is showing closed with a balance of XXXX, missed payment as of XX/XX/XXXX, and a comment that states 120+ days late. 

This account is included in my bankruptcy. Also, I no longer have this vehicle. The vehicle was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 usc 1681 investigation ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1692C 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 USC 1681 a. Defintion rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX finance # XXXX
Product: Debt collection

I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?
Product: Mortgage

I was working with Navy Federal Credit Union over three months to secure a refinance on my primary residence. There were many delays in the process on the part of Navy Federal CU to the point that my rate lock expired and was told I could only get a 4.125 % interest rate with XXXX points instead of the XXXX with XXXX points originally agreed on. It was not communicated that the rate had gone up until over a week after it had occurred and multi months into the process. At certain points I had to call three times over several days to get a response. Other times the only way I could get someone was to have the Navy Federal operator actually go get the processor. 

This is the timeline based on my documents and emails : XXXX - I received the initial Loan documents after applying online XXXX - I reviewed documents XXXX - I faxed Requested Documents XXXX - I emailed to see that the fax arrived ( no response ) XXXX - I received new documents for me to review note : Navy Federal spent 2 weeks beginning XXXX XXXX to review documents before ordering an appraisal XXXX - Appraisal ordered XXXX - Appraisal Completed note : Navy Federal spent 2 weeks to review appraisal and additional documents XXXX - I received email indicating that the processor reviewed the file and missing documents were needed ( Rental agreement, XXXX form ( missed checkbox on form ), HOA information ) XXXX - I faxed the requested documents XXXX - Processor sent files to review ( she believed complete ) XXXX - Back from review ( extra documents needed ) - NFCU increased funds required to close and requested documentation of Trust ( note : this is a standard revocable trust ) XXXX - I faxed the requested Documents XXXX - Processor indicated documents were being reviewed XXXX - I emailed about rate extension since it expires on the XXXX ( no response ) XXXX - I emailed about status ( no response ) XXXX - I emailed about status again XXXX - Processor response to my email : trust information still being reviewed XXXX - I emailed about Rate extension ( no response ) XXXX - I emailed about status ( no response ) note : Navy Federal Spent 27 days reviewing documents since submitting the additional information that they requested XXXX - NFCU emailed saying trust is cleared to close and received updated payoff, file sent to review for close, I received a new document to review ( no mention that the rate was increased but in actuality it had been ) XXXX - I emailed the processor about closing as I had not heard anything, received reply that close can occur on XXXX XXXX XXXX - I asked if we got rate extension, received reply that extension completed at current market rate ( this is the first time I was informed that the rate had increased ) At this point, I asked Navy Federal to give me the originally agreed interest rate ( 3.625 ) since the multiple delays were due to NFCU. They said they would not honor the original rate.
Product: Debt collection

My father prior to his XXXX in XXXX had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.
Product: Checking or savings account

I received letter from Wells Fargo with the subject : Confirming Overdraft Protection. The letter is confirming a request for an overdraft protection on a Wells Fargo Everyday Checking. 

I did and do not have a checking account with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

AWA COLLECTIONS shows that I havent paid them since XXXXXXXX XXXX. I have no idea who they are and haven't had an account that I haven't paid since the end of XXXX
Product: Debt collection

USACS TEXTING ME FROM XXXX TO MY XXXX PHONE NUMBER TRYING TO COLLECT FROM XXXX A MEDICAL DEBT OF {$520.00}, THEN GIVING A DISCOUNT OF {$180.00} FOR A TOTAL OF {$330.00}, AND THEN CONTINUED TO SEND ME TEXT MESSAGES FOR {$520.00} FOR XXXX. I HAVE HAD THIS PHONE FOR SEVERAL YEARS NOW, THEY SHOULD HAVE CHECKED TO SEE IF XXXX STILL HAD THE SAME NUMBER. THEY VIOLATED THE FDCPA, TEXAS FINANCE CODE, AND THE TCPA.
Product: Mortgage

I refinanced with XXXX XXXX. It was immediately sold to the money source. I went in and set up my automatic payments online. It was due XX/XX/XXXX. They took the money immediately on XX/XX/XXXX. They have now since sold the loan to XXXX XXXX. They did not include my payment to XXXX XXXX and now XXXX XXXX is demanding to be paid so Im not reported for a late payment and a service fee. I paid that today. The money source says it will take 6 to 8 weeks to process my payment and get it to XXXX XXXX. So for the month of XXXX I had to come up with {$7000.00} to pay my mortgage and not be reported for being late. Why can they keep my money? They knew they were selling so why do they take my money, not apply to my loan. Why would it take XXXX weeks to process? Scam