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

On Saturday XX/XX/XXXX at XXXX I received a fraud-alert text message from my bank, BB & T . It asked if I had attempted a {$500.00} charge with my debit card at XXXX ( XXXX Services ) . I replied NO and immediately received another text with a phone number, which I called right away. The bank representative ( not the fraud department ) blocked my debit card. He explained that XXXX had tried my card with a {$0.00} charge, then made TWO {$500.00} withdrawals. 

On XX/XX/XXXX I filed two fraud claims in a single process at the XXXX XXXX ( XXXX ) website. I have yet to receive any acknowledgement from XXXX  that they received my claim. On XXXX I selected the XXXX  fraud claims page/site callback option. I have not gotten a call back. 

BB & T 's checking account phone rep told me on XX/XX/XXXX that the two charges were pending but there was nothing the bank could do to stop them from clearing. These charges, made XX/XX/XXXX, did not clear until XXXX. On Tuesday XXXX I filed claims at my local branch bank. On XXXX BB & T emailed to let me know a new debit card was on its way, listing the reason as " Your BB & T Debit Card was reported lost. '' It was not lost, it was blocked by the bank rep during our XX/XX/XXXX phone call. This kind of inaccuracy has me concerned. Also I called BB & T 's fraud department today, was on hold for 22 minutes and then the call just disconnected, as if a rep had flubbed connecting with her next on-hold caller ( me ). 

XXXX XXXX  does not have my bank account info. I believe access to my account may have happened because I signed up for a 14-day trial subscription ( {$39.00} after the trial ) with XXXX on XX/XX/XXXX. I made the mistake of clicking the " Pay with XXXXXXXX XXXX  '' option, even though I have never used XXXX nor given them my account info.
Product: Checking or savings account

USAA has denied my request for an {$80.00} adjustment due since I didn't identify within the 60 day period. I notified USAA as soon as I found out about the fraudulent check when my payee sent me a late notice and fees. I thought the bill had been paid. 

Dates : Check posted : XX/XX/XXXX Date identified : Approximately XX/XX/XXXX Date notified USAA : XX/XX/XXXX Additional Information : The USAA Bank check originally was sent through the USAA check payment service ( also see attached ) : Check Number XXXX Dated : XX/XX/XXXX To : XXXX XXXX XXXX Original Description CHECK # XXXX Posted Date XX/XX/XXXX Amount ( {$80.00} ) This check was intercepted and fraudulently endorsed and cashed by a XXXX XXXX at the XXXX XXXX XXXX, CA ( also see attached ). 

I contacted the USAA bank immediately on XX/XX/XXXX once the discrepancy was identified from the check image. The USAA Bank fraudulent check case number is XXXX.
Product: Mortgage

My mortgage and escrow account was transferred from XXXX XXXX XXXX Loan # XXXX to XXXX XXXX XXXX XXXX loan # XXXX I have NEVER MISSED A PAYMENT. 

Either XXXX XXXX or XXXX XXXX did not pay my ESCROWED insurance and is now XXXX XXXX is force placing insurance on my account. My first payment to citizens one was XX/XX/10. 

I was unable to speak to a live person at either company. 

They did not do their job and now I am penalized.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. Transunion, XXXX and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2021 at XXXX I called Movement Mortgage regarding my home loan requesting information for loan repayment assistance as I have recently lost my job by no fault of my own. I was told by Movement Mortgage loss mitigation team that I would receive a package in 7 days and also have access to it on their loansolutioncenter.com website. I never received the package via mail and the website was never updated. I contacted Movement Mortgage again on XX/XX/2021 at XXXX inquiring again about the loan assistance package. I requested an email copy which I was told could be done. Again I was told they would request another one mailed to me and it will be available on the website within 5 days. No email ever arrived but did receive my XX/XX/2021 statement. Made another request on XX/XX/2021 at XXXX and this time someone from the loss mitigation department told me they are no longer able to upload the documents to the loansolutions website and can only be sent via mail. I asked for someone to call me back for other means of receiving this info. I was told by the Movement Mortgage rep that he could not confirm when that call back would be. On XX/XX/2021 called asking about the documents and requested a call back from the loss mitigation team which I never received back as I was told by the customer service department that they are the only ones who can assist in this matter. Made another call on XX/XX/2021 at XXXX requesting to speak with a manager or someone who could figure this out. Only got same runaround that no one from the loss mitigation department was available and they couldn't figure out why I haven't received the package. Spoke with 4 different people who said that I should have the documents on their website to review which I had to tell them it has never been updated. It took 45 minutes to get a manager on the phone who was incapable to contacting or unwilling to contact the loss mitigation for the paper work I needed to request loan assistance. 

I have also called the agent who sold me the loan multiple times for any help with this, XX/XX/2021 at XXXX XX/XX/2021 at XXXX XX/XX/2021 at XXXX XXXX XXXX at XXXX Never recieved a call back from this person.
Product: Credit card or prepaid card

Week of XX/XX/2021, I called almost every day to check on the receipt of a {$80.00} bank certified check for payment. I called several times and each time I was told that the check had not been received by the bank. It was not until XX/XX/2021, that a representative with the bank explained to me that the check had been received on XX/XX/2021. I then asked for a supervisor to call me regarding 4-5 other representatives stating that the payment had NOT been received. As I attempted to place a stop payment on the check, that is when the bank admitted that the payment had been received. Since then I have called 4/5 times requesting a supervisor to call me regarding the wrong information that had been given to me for several days by several different representatives. To this day, no one has called me back. Each time I am told a superior is not available and that someone would call be back in 24 hours or 48 hours. No call whatsoever. I will be sending my payments and do not want to be given wrong information and having to go to my bank to verity receipt of the payment via USPS. the employees there appear to be very nonchalant and need serious retraining.
Product: Credit card

Purchased a XXXXXXXX XXXX XXXX  in XX/XX/XXXX. Made monthly payments using Capitol One XXXX. Tried to access membership through multiple phone calls and subsequent emails. No response. 

Contacted Capitol One in XX/XX/XXXX. Disputed all charges by XXXX XXXX XXXX. Disputes denied. 

Escalated with fraud department to block future charges. XXXX, a supervisor, told me the charges submitted are using an unblockable code. 
Contacted CFPB.
Product: Credit card or prepaid card

I noticed on my XX/XX/2020 statement that the XXXX Balance is  incorrect. The " total balance '' on page 1 of my statement, does not reflect a {$68.00} credit received from " XXXX XXXX '' on XX/XX/2020. On page 2 of my statement, the " Total charges, credits and returns '' is correct, {$600.00}, and should have been my total balance due ; $ XXXX {$68.00} = {$600.00}. 

On XX/XX/2020 I tried to get this resolved by chat message and then a phone call, but was unsuccessful. I was told someone would look into the charges and contact me. I received a letter this week stating my dispute has been resolved and that I was mistaken. I do not believe I am mistaken. 

Today I checked my XX/XX/2020 statement and noticed the same issue -- I was credited {$130.00} on XX/XX/2020 from XXXX XXXX. Page 2 of my statement " Total charges, credits and returns '' indicate a balance due of {$220.00}, but page 1 shows a balance due of {$350.00} which ignores the credit of {$130.00}. I unfortunately did not catch the XX/XX/2020 statement error until now and paid {$350.00} last month. 

I would like to receive credits due me of {$68.00} and {$130.00}.
Product: Credit reporting

In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of the filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

i started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( XXXX ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not applicable to me, XXXX Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep XXXX the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Product: Credit reporting or other personal consumer reports

Transunion has my name on my report as a junior. I've been disputing for a while, with no change. I informed them I would be contacting the Federal Trade Commission and they retaliated and dropped my score XXXX. I have no lates or missed payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting to XXXX as " Paying Partial Payment Agreement '' XX/XX/XXXX and XX/XX/XXXX. Also reporting " Account in Forbearance '' XX/XX/XXXX, during which time the Loan Modification process was still pending. 

Payment information/loan terms are still not correct. Shows a scheduled payment of {$1300.00} with an actual payment of {$1300.00} ; Terms {$1300.00} per month, paid Monthly for 480 months. Billing statements clearly show {$1300.00} due.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card or prepaid card

Starts with our XXXX wedding anniversary dinner XXXX for {$280.00} for dinner for 4 people. To my surprise, my credit card ( " cc '' ) bill showed two lines for {$280.00} each, so total of {$560.00}. I called my cc company, XXXX XXXX, and they kindly reversed the duplicate, but XXXX disputed, so XXXX then later re-charged my card. XXXX insists they charged me once. XXXX XXXX said they ca n't do anything now because I passed the 60 day dispute reporting deadline to report an issue, however, the duplicate charge was on XX/XX/XXXX, and I reported it on XX/XX/XXXX, which is less then 60 days. 

Background support : XXXX insists they correctly charged me for only one ( email trail with XXXX customer support ), and my XXXX account online shows I purchased one, and XXXX sent me a confirming email for just the one. So, why did they dispute it? They could n't explain it. XXXX told me to talk to my cc - that my cc company is at fault. But, my cc bill clearly was charged twice. The CC said, XXXX disputed the initial reversal, so XXXX must resolve. After several go-arounds and getting nowhere, a different cc agent told me to send all support, including a copy of the email trail, and copy of my XXXX account showing XXXX customer service agreed, that I only bought one, and that I should have only been charged once - he said it 's an iron-clad case, the cc company will return the {$280.00}. So, I prepared all the copies, wrote a letter explaining the situation, then the original CC agent, XXXX, sent me a letter and said some kind of deadline had passed, so he 's closed the case. I am about to pull my hair out. I called the cc agent twice, and asked him to call me, to discuss, and cc agent will not call me back. I have now engaged with XXXX XXXX group that is helping me to resolve the issue. 

Timeline Summary : 1 ) XX/XX/XXXX Ordered XXXX {$280.00} dinner for 4 people. 

2 ) XX/XX/XXXX CC Statement shows two lines for $ XXXX/each ( total {$560.00} ) 3 ) XX/XX/XXXX XXXX called CC company they said they would reverse the duplicate charge {$280.00} 4 ) XX/XX/XXXX CC letter, dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX Rep, states XXXX disputed and provided two orders one at XXXX and 2nd order at XXXX PST, so they will charge my card again for the {$280.00} duplicate. 

5 ) XX/XX/XXXX calls and email trail with XXXX to resolve the issue, XXXX customer service, XXXX XXXX, insists I was charged once, and that it is a bank issue. 

6 ) XX/XX/XXXX I try to call XXXX, and I leave a message. 

7 ) XX/XX/XXXX I try to call XXXX again, and I talk to another rep, and he said this is a no-brainer, just provide copies of all the support and send it all in with a cover letter to XXXX. 

8 ) XX/XX/XXXX I send a letter to XXXX at the CC company with copies of everything. 

9 ) XX/XX/XXXX Letter dated XX/XX/XXXX from XXXX, XXXX XX/XX/XXXX rep, that states, the information you are now supplying is beyond the timeframe to assist you, and they will re-charge my card. 

10 ) XX/XX/XXXX Call to cc company, XXXX, and leave another message. 

11 ) XX/XX/XXXX Call to XXXX and leave another message 12 ) XX/XX/XXXX Write letter to XXXX XXXX
Product: Checking or savings account

I was charged a {$XXXX} overdraft fee by Chase Bank for a single transaction on XX/XX/year>. I understand that overdraft fees are typically applied when an account is overdrawn, but this particular fee is causing significant financial hardship for me. 

I have been experiencing financial challenges recently and rely on my account for essential expenses like gas and groceries. This fee feels excessive, given my current circumstances, and I am urgently seeking relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company : JEFFERSON CAPITAL SYSTEM has fraudulently opened a fraudulent past due account and reported it as in collections on my credit report.

I never had an account with XXXX   VISA BUSINESS CARD. I am now buying a house, and this fraudulent collections is putting a {$92.00} derogatory mark on my credit report, from a credit card company that has NEVER been reported on my credit report.

This remark needs to be removed and this complaint needs to be filed to help Americans protect against fraud and inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card

There are fraudulent accounts that needs to be removed from my account it's more than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I didn't apply for none of these account I did I identi theft report and no one still removed them