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

On Wednesday XX/XX/XXXX I contacted my bank and reported my debit card stolen and I requested a new pinI then was connected to the fraud department and I disputed atm withdrawals made on my account that I did not doI explained the last time I physically used my debit card at ATM was XXXXI explained there were two ATM withdrawals made that I didnt makeI noticed two which were the following on dates XX/XX/XXXX amount XXXX and XX/XX/XXXX amount XXXXI spoke with the representativehe didnt give any further steps or anything he just explained to me that the bank will issue a credit for the charges I disputed and the bank has 90 days to do a formal investigation..so today is XX/XX/XXXX and I contacted my bank gave them this claim number XXXX because thats the claim number he gave me on XXXXand a representative today said can I help you and I said yes Im calling to check the status of my claim filed because my bills I paid are now being returned and she said the bank denied my claimand I asked why she said she didnt know whyand I asked her what do I do nowthis has never happened to mesomeone stole my card went to the atm and took my money out my account and I didnt give anyone any permission to that..and my bank didnt do any formal investigation and I am due a provisional credit and the bank is supposed to do a formal investigation and that is what the first customer service representative explained to me on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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: Debt collection

Autovest LLC.Debt Company XXXX XXXX  ( XXXX ) XXXX court docket # XXXX XXXX XXXX  District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or  repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not have adequate data security to protect my personal information, as well as the personal information of 143 million other Americans. They further jeopardized our financial security by failing to inform us of the recent data breach, which occurred between XX/XX/XXXX and XX/XX/XXXX, until XX/XX/XXXX. Equifax enjoys an effective monopoly on credit reporting along with XXXX and XXXX but that should not be allowed to continue if they can not ensure the security of the sensitive data on the consumers they report on.
Product: Debt collection

I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.
Product: Payday loan, title loan, or personal loan

The XXXX XXXX XXXX put me in collection that I didnt borrowed with them. Date open XXXX2017 ... {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Product: Vehicle loan or lease

On the back of my lease statement it states that " If your lease agreement was signed in Kansas, Louisiana Maryland or Utah, section '8 Late Payments ', is hereby modified by adding the following language : " The maximum late feel you may be charged is {$20.00}. Any higher amount in your lease agreement is hereby deleted ''. 

I have been trying to get this fixed since XX/XX/XXXX. I have spoken to multiple customer service agents and told that they have sent an email to their accounting to department and have not heard anything back. I spoke to someone on XX/XX/XXXX and they said that their team looked into it and said the fees are valid per the contract. I informed him that per their own billing statement, the language that overrides the contract and that they were not valid. He went to check the back of the statement and confirmed what I said. He said that they will have to " look into it ''. I have been hung up on multiple times and told that until my account is caught up they will not speak with me or do anything regarding the overcharge amount with fees. I have been charged {$32.00} since my XX/XX/XXXX statement to my current statement in XX/XX/XXXX. In this time the overcharge difference totals {$280.00} as of XX/XX/XXXX. 

Hyundai refuses to fix their issue even though have have been made aware of this knowledge and continues to overcharge me late fees. There have been multiple notes made on my account, yet they continue to call and inquire about payment which is understandable when I am behind in payment but to refuse to correct their mistake is unprofessional and against the law. 

I have attached both the first statement where the fee language appears and the most current statement with the same language. All statements in between have a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. XXXX for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.
Product: Debt collection

Ireceived a letter from Bank of America telling me they had detected suspicious activity on my credit card. Charges totaled over {$9000.00}. I learned from them that my address had been changed and my daughter added on my account as an authorized user. As I rarely used this credit card, I never received a bill, nor did I ever do any banking on line. smy complaint is that Bank of America never alerted me or inquired about the address change or additional user on my account. After filing 2 claims that were denied, they told me I needed to file a Police Report against my daughter to make a difference in filing another claim. I struggled with that decision... but filed the Police Report, but it was denied again. We are now at ages XXXX and XXXX having to take a Home Equity loan to repay this debt cause it is putting such a strain on our monthly income of XXXX. Bank of America definitely bears some responsibility for this fraud on my credit card. The fraud charges were done on XX/XX/2021. Claim denials on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 all say their research included my account history and/or the monthly account statements we sent you ... ... ... I NEVER received any monthly account statements and, again, hardly ever used this credit card. Thank you for any help or consideration.
Product: Debt collection

I was told by a representative named XXXX ( who is no longer employed with the company ) at McCarthy , Burgess & Wolff, that she would allow me to settle my debt with XXXX XXXX at {$360.00} ( original amount was {$430.00} ) and on XX/XX/2019 they transferred me over to a representative that would email me as soon as I made the payment with her billing team. I was transferred over to them to make a payment on XX/XX/2019 which was debted from my account on that day. Since XX/XX/2019, I called XXXX back and she called me back before she was fired from her position. On those ocassions, she kept promising me that she sent me an email that had the terms of this settlement agreement that would state this would be removed from my account and show debt was PAID IN FULL on the receipt. I never received any records of anything from this debt collection agency but was debted for the settlement amount on XX/XX/2019. On each contact with XXXX, she assured me there was nothing to worry about and I would receive her emails in a few hours, as it takes their system a while to send outgoing emails. I agreed Again, waiting all day for the email, no documentation was sent from this collection agency via email or postal mail about my payment and the agreement XXXX and I had on a recorded line SEVERaL times. I called again feeling deceived and spoke to a XXXX XXXX on XX/XX/2019, XXXX assured me SHE would, in fact, email me and I would receive an email in a few hours. Checked Spam as well as normal inbox and again, nothing. She also gave me the information about XXXX on a recorded line stating her job loss as well as that she did not actually email me according to the records. I have not received any documentation from this collection agency and demand that XXXX XXXX, as well as MB & W, remove this debt from my report as I have called numerous times and promised it would be removed and made whole after I paid it. I believe this is deceptive business practices and the debt is still appearing on my credit report as of today.
Product: Checking or savings account

I have accounts that have been opened under my name but are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, LexisNexis ) and the Creditor ( Bankruptcy Chapter 13 ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the bankruptcy is fraudulent and that I'm a victim of identity theft. In return to tell me that this bankruptcy was verified and/or belonged to me via LexisNexis or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit card or prepaid card

ON XX/XX/XXXX MY SYNCHROBNY BANK MASTER CARD WOULD NOT WORK AT A SAMS GAS PUMP ... .THE CARD WAS LOCKED IN THE READER & A MESSAGE WAS DISPLAYED CHIP LOCKED ... .THUS I COULD NOT MAKE PURCHASE '' I WENT HOMEIMMEDIATELY STRESSING CARD HAD BEEN HACKED & CALLED SYNCHRONY BANK ( XXXX ) & WAS TOLD THEY CHANGED FROM CHIPTECHNOLOGY TO SWIPE & NEW CARD WITH SAME ACCOUNT NUMBER WAS MAILED & WOULD ARRIVE IN 7-10 BUSINESS DAYS. 

AS A DIRECT RESULT OF SYNCHRONY BANK TAKING THIS ACTION & NOT NOTIFYING ME OF CHANGE MY AUTO PAY COMPANY PAYMENTS STARTED BEING DECLINED GIVEN NEW EXPIRATION DATE ON NEW CARD WHICH THEY WOULD NOT GIVE ME OVER PHONE. 
FIRST, XXXX XXXX, AUTO & HOMEOWNER BILLS WERE REJECTED ... THAN XXXX ... 
THIS SITUATION REQUIRED ME TO CALL SYNCHRONY THREE TIMES, UNTIL SYNCHRONY BANK AGENT AGREED BY XX/XX/21 THE CARD MAILED ON XX/XX/21 WAS LOST. 
THEY THAN ISSUED A NEW CARD & PER MY REQUEST SENT IT XXXX XXXX TO ARRIVE THE MORNIG OF XX/XX/21. 

AFTER WAITING AT HOME THE ENTIRE DAY, THE CARD ARRIVED AT XXXX XXXX. 
I THEN HAD TO NOTIFY & SIGN INTO 8 DIFFERENT COMPANIES TO SUPPLY NEW CREDIT CARD NUMBER. 

NOW XXXX SENT ME A NOTIFICATION THAT MY CREDIT SCORE DROPPED 5 POINTS DUE TO LOST CREDIT CARD. 

I FEEL THIS COMPANY, SYNCHRONY BANK S PRACTICES PLACING A CREDIT CARD IN THE MAIL VERSUS XXXX OR XXXX XXXX IS NEGLIGENT. 
THEY CAUSED ME TO EXPEND AT LEAST 8 HOURS OF MY TIME FOLLOWING UP WITH THEM, CORRECTING THE CREDIT CARD NUMBER FOR MY USERS & OPENED ME UP TO FRAUD BY LOOSING THE CARD IN THE MAIL. 
NOT GIVING ME NOTICE OF THIS CHANGE WAS XXXX XXXX ON THEIR PART. 

IN SUMMARY, I SHOULD HAVE BEEN TOLD AHEAD OF TIME A NEW CARD WAS COMING & THEY SHOULD MAIL CREDIT CARDS BY XXXX XXXX  OR XXXX SO THEY CAN BE TRACKED. 
WE LIVE IN AN AGE WHERE FARUD IS VERY COMMON PLACE & THERE IS NO EXXUSE FOR SYNCHRONY BANK TO MAIL NEW CREDIT CARDS WITHOUT NOTICE VERSUS ADVISING THE USER & SENDING WITH TRACKING NUMBER
Product: Credit reporting or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I have a checking account with J.P.Morgan Chase. Ive made money transfers ( payments ) through their app to what I thought was my student loan service providers and for my car payment which is transferred to XXXX XXXX XXXX XXXX XXXX XXXX. 

Ive also made a payment to XXXX XXXXXXXX XXXX  using a credit card connected to my Chase account ; however, the university has no record of it per my account statements. 

I have paid thousands of dollars towards student loans and credit cards, yet credit reporting companies and the companies Im paying are not updating records in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we accepted a 3 month deferred payment plan as a result of Hurricane Harvey.  XXXX XXXX gave us the option of refinancing, accepting a partial payment plan, or repaying the amount due. We elected to repay the loan and we have verified multiple times with the mortgage company that our account is in good standing, we are paying as agreed, and our account is current. 

Despite this, XXXX XXXX has been adding derogatory remarks to our credit report since 2017 indicating that we are on a partial payment plan. This is preventing us from refinancing or getting other loans as we are essentially locked in with XXXX. To this day when we call they deny we are on a payment plan but continue to add these comments We sent a certified letter on XX/XX/XXXX asking them to remove the comments or show proof of acceptance of a payment plan agreement. XXXX XXXX received and then denied our request for resolution. We raised disputes with all three credit agencies which were again denied by XXXX XXXX. 

On XX/XX/XXXX we sent a certified letter again asking for a copy of the signed partial payments agreement. On XX/XX/XXXX a " Presidential Dispute Representative '' called us to ask some questions. Together we went through all of the payments made since XX/XX/XXXXand confirmed all of the payments had been made and our account was current. A Ms. XXXX XXXX informed us she would get back to us in 5-7 business days with a response. There has been no response and the number I had previously been given to contact her is no longer in service/ can not receive direct calls. We have been blocked from contacting XXXX XXXX. 

We are asking that all comments of " Partial Payment '' be removed from our account immediately and we will likely be seeking retribution for this unfair act by our mortgage company.
Product: Checking or savings account

In XX/XX/2019 I disputed with BoA 3 XXXX transfer transactions from XX/XX/2019 ( 2 transfers for {$1000.00} and 1 transfer for {$500.00} all to recipient XXXX ). In total {$2500.00} has been fraudulently transferred from my BoA account and the bank has refused to put the funds back. BoA opened up a claim and their initial and 2nd response was that the transaction was authorized because it originated from my device. 
I have never authorized those transfers and I do not know who XXXX is and how they were able to access my device and make the transfer. 
According to your statement posted online : https : //www.bankofamerica.com/XXXX Using XXXX in our Mobile Banking app is a fast and efficient way to send money to family and friends. We verify your enrollment with a code and also provide transaction alerts for new payees, password changes and other potentially suspicious activities. Plus,  youre not responsible for transfers you don't authorize. 
Since I have never authorized those transfers I request that BoA returns the {$2500.00} back to my account. 
I have been obviously a victim of an elaborate fraud and I do not understand how this act of theft can be seen as authorized ( because it came from my device ). The bank is playing with semantics and refuses to put the funds back.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 
XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - 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, Ct XXXXXXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - 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 Transunion Unauthorized Inquiries Listed below are the Inquiries that are being challenged 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 Ct XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I paid for a prescription at XXXX # XXXX, XXXX, Louisiana, with my Capital One Mastercard. The clerk charged the wrong amount, {$27.00}. They voided the transaction and charge the correct amount, {$12.00}. Both charges were posted to my account. I notified Capital One and the posted a credit for the {$27.00}. I submitted to Capital One a copy of the " POST VOIDED TRANSACTION '' receipt from XXXX. Then, on XX/XX/2023, Capital One reversed the credit and charged me the XXXX. I contacted Capital One and they said there was nothing they could do. I contacted XXXX and they said there was nothin they could do. Please help me with this incorrect charge. I will attach a copy of the XXXX receipt to this complaint. 

Thank you in advance, XXXX, : )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see whats was on my report because I haven't checked it in e. minute. While checking my report I saw items that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX, XXXX. There are some inquiries on there thats not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX. I have contacted the FTC and local police.
Product: Debt collection

Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.