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

On XX/XX/XXXX a XXXX unauthorized transaction for {$270.00} was posted on XX/XX/XXXX to my BOA credit card account. I discovered this fraudulent non-approved charge on XX/XX/XXXX and reported it immediately to Bank of America and had the card number locked to prevent any additional fraud from occurring. I received a message on XXXX stating the claim was resolved, credit was place on the account and I would be notified of any changes. 

After reporting this message of resolution, I received no additional communication from Bank of America. I assumed that like all major credit cards and like the previous correspondence stated, if changes or additional documentation was requested I would receive notification by either phone, mobile platform, or US mail. No subsequent notification from BOA was received. On checking my transaction history on XXXX, I noticed that the fraudulent charges for {$270.00} was reposted to my balance on XX/XX/XXXX. Additionally there was a BAL ADJ/ also added an additional {$270.00} charge on my account posted the same day ( XX/XX/XXXX ). This is {$540.00} in charges added to the balance with zero explanation or documentation. 

I called customer service, relaying the above information. The BOA rep ( I do not recall their name ) inform me that my card was used on XXXX and I received a package that was purchased from XXXX. After being placed on hold for around XXXX minutes, this BOA told me to call XXXX and resolve this issue. 

I had to end the conversation due to other obligations, but the BOA rep asked me to send ( in writing ) description of what happened along with my XXXX purchase history. 
Here is my problem : 1 ) I didnt authorize {$270.00} on XX/XX/XXXX and thus I reported as fraudulent 2 ) I dont have a XXXX account so was unsure what the Rep was talking about 3 ) I dont have an XXXX account so I have no documentation to send 4 ) I received nothing from XXXX because I dont purchase from XXXX. 

Again, the charges placed for {$270.00} on XX/XX/XXXX are fraudulent. I, nor my authorized users authorized this charge, and I asking that these charges be removed from my account fully. Additionally, the BAL ADJ/ charge of {$270.00} ( dated XX/XX/XXXX ) is also not authorized, and thus should be removed. Since I dont recognize the origin of the BAL ADJ/ transaction for XXXX on XX/XX/XXXX, I am officially requesting the BAL ADJ/ should to be removed from the account. 

The BOA rep was unable to help be resolve any of these fraud cases, and continued to state that I had ordered an item from XXXX which is not true.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXANK XXXX
Product: Bank account or service

On XXXX I received notification that there were unauthorized changes to my account with USAA. I called USAA in order to alert them to the situation and had my information corrected. At approximately XXXX that night I received notification that my information was changed once more. On XXXX I called USAA multiple times in order to correct my information and file a fraud dispute. I even went as far as to request a call from the USAA call center manager XXXX ( never once receiving that managers call ). I filed the dispute successfully ( I thought ) and asked that my account be placed into a higher alert status. I called back later that night in order to try and gain access to my account, I was transferred back over to the fraud department and filled out another fraud dispute with them. During this secondary fraud dispute I requested access to my account and was told there was n't much they could do about getting access to my account because whoever took over my account placed a " CyberCode Token '' on my account and it allowed them to maintain access despite USAA 's efforts. Over the weekend ( XXXX XXXX and XXXX ) I made XXXX purchases with my debit card and began feeling as though things might be clearing up. On Monday ( XXXX XXXX ) I was called by XXXX XXXX of USAA 's fraudulent activity investigations department and was asked to submit my statement. After giving my statement, expressing my frustrations with USAA for the lengthy process, and expressing my disdain for the call center that constantly dropped call transfers and seemed to not have any ability to solve my crisis, I began to inquire about the activities taken place in my account. I was informed that multiple credits and debits had taken place and the imposter requested a replacement debit card. I was then informed that I was to receive a call the next day to receive notice if the investigator deemed me " at fault '' of giving my personal information to an unknown persons. On XXXX XXXX I received a call from XXXX XXXX and she informed me that her office believed I gave my information out for XXXX reasons. First, my understanding of her explanation of an account takeover scheme and second, a trend where MANY other USAA members have given out there account information. Now I can not speak for the MANY other members who may have been at fault here, but I can speak for myself and I did not give out my information to anyone. I have a XXXX year old girl, a soon to be fiance, and a son on the way. I have way too many responsibilities to risk it all by giving my information to someone else. Since being told I was at fault I have contact my local police department and the FBI in order to investigate this ordeal. I have been contacting USAA but still have n't been granted access to my account. It 's been a real nightmare and I would like a resolution please! 

Thank you very much for reading, sorry if it is n't well written.
Product: Debt collection

On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher. 

The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer for a XXXX XXXX card, I went to their page the application said I was pre-approved, I read over the application as I read it my information was already prefilled in. But when it came to submitting an application I decided the interest was too high and opted out. Then a few days later I have an alert from the Credit Bureau that I had a hard inquiry, I found out it was the city XXXX. I called them and said what is going on, the girl said oh do you want to finish your application and I said finish? I never even applied and I wanted that hit removed immediately, she claimed she could not do that but I could cancel my application and I said WHAT application? She said it was incomplete, I then asked her why they were doing hard hits on incomplete applications. I told her to make notes of the phone call and delete any information and when I sent in the dispute it needed to be honored she said ok, and I receive a letter telling me they canceled my application but did a hard hit, I AM FURIOUS! I NEVER submitted an application to them, further proof of this is zero emails from them stating that I had submitted an application zero emails saying I had an incomplete application, only after I called and demanded they remove the hit did they send a letter. Why would I put in an application and not get approved??? They have no answer for this, only that they needed more information, which is a lie because I was already pre-approved! I know with 100 % certainty I would be approved why would I allow a hard hit to my credit and walk away with nothing? I want this hard hit removed and an apology! They need to fix their stealing thieving software!
Product: Credit card or prepaid card

Citibank is not properly reporting balances on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with Transunion on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Hello, On XX/XX/XXXX I purchased a fridge from Lowes. I opened a credit card on that same day and paid {$700.00} dollars on the credit card at the Lowes store in XXXX, New York. I was paying down the fright monthly until I decided to cancel the purchase of the fridge. The total amount I paid towards fridge was {$1500.00}. I put in a request to have the money that I paid down returned to me but Lowes only sent me a check of {$770.00}. That is not the full amount of what I am owed. I have called Lowes customer service repeatedly and have not gotten a response. I also called Synchrony Banks customer service. I went into the store and spoke with to the Operations Manager for Lowes in XXXX, New York. Her name is XXXX XXXX. XXXX promised me that the situation would be resolved in week. I attached the chain of emails showing we were in contact and she stopped responding to me.
Product: Mortgage

I mailed to Flagstar two hurricane related insurance checks ( XXXX ) totaling {$100000.00} on XX/XX/XXXX. I advised Flagstar at that time that I will complete my repairs out of pocket and they can inspect upon completion. I advised I expect during that time the monies to be kept in an interest bearing account because it could be some time before I am finished. Fast forward to around XXXX, XXXX of XXXX when I began discussing over the phone with several Flagstar representatives about the process for them to inspect and release the insurance monies. Their main issue is an adjuster 's report in which I advised them I gave them all the paper work I received from the insurance company. They ( Flagstar ) verified with XXXX about the adjuster 's  report and XXXX confirmed that there is no further paper work other than what they already have on hand. With this confirmed my question to Flagstar is what is the next step to complete this transaction. The several representatives I spoke to all said they would get approval from management to send an inspector and would return my call in a couple days with a scheduled date but no one ever called back or when they do it would be weeks later with the same response, " they need to talk to management ''. I finally decided that I will begin to put my requests in writing to support my complaint and maybe trigger Flagstar to respond. No such luck, it made it worse. I have sent 3 email requests out to Flagstar beginning on XX/XX/XXXX, each being at least a week apart and I have not received any responses to date. Thus, I am now filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit card or prepaid card

I paid my BBVA credit card off, and also a personal loan. Upon this, they reduced my limits and then when I went in to the local branch to close my account, they called the police on me, even though I offered nothing other than asking them to close all accounts save checking. Then they punatively closed my checking account and claim to have filed a no trespass. The local manager, XXXX XXXX ( sp? ) refuses to give information as to their registered agent and is aware that I have XXXX and protected with the ADA.

Somehow they left the credit card active and I have attempted to refute their balance and am unable to retrieve an audit to ensure validity of this debt and their collection process. I just today received a bill from them after several months of no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have non-account holding inquiries removed from my credit profile and provided proof of several violations from various companies that have placed these inquiries on my credit profile. After several months, of disputing with TRANSUNION LLC, I spoke with a representative named XXXX, and he informed me that they are not going to remove anything from my profile, even though I provided proof of the violations.
Product: Credit reporting

I have a report from Experian. It was sent after I was declined credit. There are many errors as my husband left me and some items are his. I received the report after XXXX XXXX, 2015. It is within a year. I sent a dispute to Experian never heard back or got a credit score. The information is incorrect and I would like to dispute it. I have the complete report. I would have to mail you a copy. There are incorrect dates that should be deleted from the report.
Product: Credit card or prepaid card

I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on XX/XX/2023 XXXX did removed the fraud account ending in XXXX I have a federal trade commission identity theft report on file but it ended up appearing on my XXXX credit report as XXXX duplicate accounts ending in XXXX please have XXXX remove the fraud accounts their showing XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment reporting on XXXX XXXX is incorrect.. I was not late on XX/XX/2017. Please remove it from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I wanted to buy a console from someone and used PayPal to transfer money to the seller but the seller did not send package and does not want to refund money
Product: Credit card or prepaid card

XX/XX/2023, XX/XX/2023 My credit card company is not protecting me from recent fraudulent practices by XXXX. 
I had filed several disputes with them indicating that XXXX was not fully refunding me the money I actually paid for the product even though they advertise " Free Returns '' at purchase. I have sent Discover proof that I was not refunded in full and there only response is that " we found the charge to be valid ''. They refuse to acknowledge that is not about a valid charge rather than it is about a refund that is less than what was paid. They have allowed the XXXX to give falsehoods saying merchandise was not returned in spite of me sending XXXX receipts. 
It is fraud to advertise " free returns no questions asked to bait Consumers into purchasing only to find out that the returns are not free. This is deceptive advertising by XXXX but Discover is complicit in the deception. Discover has refused to look at the clear evidence in front of them. Please assist. There are 2 other items that had a " free return '' statement at purchase. I will defer to those at a later date. 
To say that I did not return the merchandise and was not due any credit is absurd and has no merit. XXXX would not have refunded me had they not received the item back. Yet Discover allowed that statement to be used in their decision against me. As the refund clearly shows, I was charged {$99.00} and only refunded {$79.00} for an item that was advertised as " free returns ''. Please assist.
Product: Debt collection

I receive calls 7 days a week, from XXXX.- XXXX from random numbers but same company. At times the calls can be anywhere from 15-30 minutes apart to 1 hour apart. This has been taking place for the last 10 months straight.
Product: Credit reporting or other personal consumer reports

I contacted this company and informed them they had violated my rights as a consumer on or about the week of XX/XX/year> and I requested XXXX of the removal of the alleged debt be sent via email to ( XXXX ). I informed them on the following laws Please be advised that, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus. You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. '' I am writing to inform you that I do not consent to the disclosure of any information regarding my debt to any credit reporting agency, including credit bureaus, pursuant to 15 U.S.C. 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are hereby notified that any disclosure of my debt information to a credit bureau or other third party without my express written consent would constitute a violation of the FDCPA. Please confirm in writing that you will not disclose my information to any credit reporting agency. Sincerely, XXXX XXXX XXXX Here are additional resources and information on debt collection regulations and consumer rights : XXXX Laws and Regulations : * 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. *Consumer Rights : * 1. Right to dispute debts ( 15 U.S.C. 1692i ) 2.
Product: Credit reporting

On XXXX XXXX, 2016 I sent a request for a Security Freeze that listed my name, social security number and date of birth along with my Drivers License, Social Security XXXX, Police report and proof of my address. Per the certified mailing receipt it was signed by TransUnion on XXXX XXXX, 2016. I have yet to receive any confirmation that the security freeze has been placed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by Clay Cooley XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX XXXX the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.