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

In XX/XX/XXXX I closed my AMEX Platinum card and at the time of closing I did not have a balance or any pending charges. Much later I noticed a 30 and 60 day delinquency ( XXXX and XX/XX/XXXX respectively ) associated with the account on my credit reports. I had not been notified of any balance and did not have access to the card 's online dashboard after closing the card. Knowledge of charges occurring months after account closing are not the customer 's responsibility ; it is the responsibility of the credit card company to either prevent these charges from occurring in the first place or to make the customer aware of their existence. In Q4 XXXX I called AMEX to get an explanation of the charges which they were not able to provide. I explained that I was not made aware of these charges or their late status and would be happy to pay whatever I owed but would like the derogatory credit marks to be removed as the charges were clearly added months after the account was closed. I was told by the representative that the marks would be removed and after several months no action had been taken. In XX/XX/XXXX I filed disputes with each of the credit reporting bureaus but the marks were not removed, only an on time payment status was added to my credit reports for XX/XX/XXXX.
Product: Checking or savings account

There were duplicate charges period they were charges. A bank notified me about or overseas and never refunded the money. They close the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX, XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. Experian refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request for transunion to remove fraudulent inquiries on my credit report. The first fraudulent inquiry is TBOM/MILESTONE on XX/XX/2022. I called XXXX and was informed they they had requested Transunion remove that inquiry but Transunion has not. The next fraudulent inquiry is XXXX XXXX on XX/XX/2022. This inquiry was not requested or authorized. I called the financial department of XXXX XXXX and was told that it was a mistake but they couldn't remove the inquiry a to report it as fraudulent. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnished a account without my written instruction.
Product: Checking or savings account

On XX/XX/23 ( according to my bank statement ), someone withdrew {$2000.00} then withdraw another {$1300.00} from my Bank of America Checking Account at a GAS STATION for a total of {$3300.00}. As soon as we realized the money was gone ( the same day ), my husband reported the fraudulent transaction ( THEFT ) to Bank of America. Bank of America claimed that they would conduct an investigation and advised us to remove the remaining money in the account so that the thief could not have access to it. 

In accordance with Bank of America 's instructions, my husband promptly went to a Bank of America ATM and withdrew {$1000.00} ( approximately what we had left in the account after the fraudulent transaction ). We waited for Bank of America to verify and refund the money. However, instead of refunding us the money from the fraudulent transaction that they allowed, Bank of America advised that they could not " find anything '' and so could not issue a refund. They did this instead of addressing our complaint that THEY, " Bank of America '' were GROSSLY NEGLIGENT for allowing a {$3300.00} -NON-CARD WITHDRWAL AT A GAS STATION and therefore should refund us the money. They told us that we should try to make the complaint with Bank of America to see if a second investigation would cause them to " find something '' warranting a refund. We subsequently submitted several complaints to Bank of America-all of which were terminated without Bank of America refunding us our money or taking any responsibility for their negligence. 

After a series of denied fraud complaints, I went to the Bank of America branch in XXXX Florida and met the branch manager. she told also told me that Bank of America could not " find anything '' and also that there was no one from which to get the refund ( EVEN THOUGH THE MONEY WAS CLEARLY TAKEN AT A GAS STATION ) so Bank of America could not refund the money that Bank of America allowed someone to take from our account at a gas station. 

Lastly, it should be noted, that neither my husband nor I, have any history whatsoever of buying gas or spending in excess of {$100.00} at a gas station and so under no circumstance could it have been reasonable for Bank of America to believe that we were suddenly pumping {$3300.00} worth of gas.. Yet-Bank of America never contacted me nor my husband during or after the fraudulent transactions! It should also be noted that we never lost or misplaced our bank of America debit cards. It should be also noted that the transactions of {$2000.00} then {$1300.00} were two separate Non-card transactions and Bank of America authorized BOTH!. To date, Bank of America has failed to refund our money. We are two HARD WORKING people-just trying to make life. Perhaps to others, this may not be a big transaction, but for us-this loss caused by Bank of America , has caused devastating financial loss and problems.
Product: Consumer Loan

Synchrony Finacial fraudulently file a XXXX with the IRS alleging that they had forgiven a debt on my behalf in the amount of {$700.00}. I at no time had any consumer debt credit card or any Financial obligation that was owed to synchrony financial. I am not sure what type of loan they alleging was owed as I have never had any Financial relationship with them. I have called the number on the XXXX ( XXXX ) XXXX to be left on hold with no answer. According to the XXXX their Federal identification number is XXXX. Please note I was notified by the Office of personel that my identity was stolen.
Product: Debt collection

I sent a letter informing the company of my dispute. I sent a notice/affidavit about deceptive and misleading business tactics regarding our contract sent XX/XX/XXXX, as well as invoked my right of rescission. Please see the attached file/document copy. I requested answers ( point for point ) in regards to the matters brought to their attention regarding our contract along with proof as far as the original note, if they are holder in due course UCC 3-302 provide proof and the Financing statement per the UCC rules ( certified only ).

I am only really seeking a FAIR RESOLUTION to this issue CARMAX AUTO. I am giving you a chance, in good faith, to consider this whole contract a mistake ( or whatever you wish ) because I asked in my letter, in good faith as well now that I am fully aware of how our contract has been breached ( explained in letter ). I only seek what is FAIR and deserving for the hardship and pain Ive been caused. Please be AWARE I read and comprehended the CarMax AutoXXXX, XXXX, and prospectus filings with the SEC in its ENTIRETY and XXXX part it states CarMax XXXX XXXX, XXXX, a Delaware limited liability company, will sell to CarMax Auto XXXX XXXX pursuant to the receivables purchase agreement a pool of receivables consisting of motor vehicle retail installment sale contracts originated by certain affiliates of CarMax XXXX XXXX XXXX XXXX under its primary underwriting program. CarMax XXXX XXXX XXXX will sell the receivables to the trust pursuant to the sale and servicing agreement in exchange for the notes and the certificates. CarMax Auto XXXX XXXX will use the net proceeds from the sale of the notes to pay CarMax XXXX XXXX, XXXX for the receivables. The trust will rely upon collections on or in respect of the receivables and the funds on deposit in certain accounts to make payments on the notes. The trust will be solely liable for the payment of the notes. The notes will be obligations of the trust secured solely by the assets of the trust. The notes will not represent interests in or obligations of CarMax , Inc., CarMax XXXX XXXX, XXXX, CarMax Auto XXXX XXXX or any other person or entity other than the trust. Neither the notes nor the receivables are insured or guaranteed by any governmental entity or any other person or entity. 
Now, I know Im not crazy or some genius! but your own prospectus even contradicts whats said in the application and was not at all discussed when I sat down with your employee XXXX.
Product: Credit card or prepaid card

I had 3 credit accounts opened using my social security number for a business account in XXXX. I contacted these companies and informed them I did not opened these accounts and they were removed from my credit file. 
In XXXX Chase informed me they were opened by a business in Florida, I never worked for or had any knowledge of. These accounts were never verified. I moved from XXXX  to XXXX  in XXXX. In XXXX Accounts from Chase, XXXX XXXX, and XXXX XXXX were removed from my credit file. They were opened without my knowledge. 
I have checked my credit scores monthly and my credit report yearly since that happened through there poor banking processes. My scores have been excellent since. Then I was informed my social security number was breached by XXXX. I received my scores with no change until XXXX. Chase reported a delinquent credit account in my file that was closed in XX/XX/XXXX. I had no knowledge on this account for over nine years. I have asked Chase to provide me with information of this account and they have failed to comply. Chase is negligent in opening this additional credit account XXXX with out my knowledge. They need to remove it from my file. Their poor banking processes has harmed my ability to show I can manage money. I was never contacted by Chase regarding this credit account, they need to promptly remove it from my file.
Product: Debt collection

XXXX XXXX  have been told to cease and desist they have violated 15USC1681b reporting to all credit reporting agency after being told. I have filed the notice with CFPB check all previos cases filed on file in your records
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by CSID and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that XXXX facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.
Product: Credit reporting

I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA, XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : ECMC {$8100.00}
Product: Money transfer, virtual currency, or money service

I was trying to add money to my bluebird account and when I did it too much.They probably were suspecting me of fraud so they suspended me permanently and they did not provide me a reason why.I have over XXXX $ in that account and now I cant use it
Product: Mortgage

I was providing information to my loss mitigation agent ( XXXX XXXX ) in an effort to prevent foreclosure on my home. XXXX had received my information and informed me that she would submit the information for approval. While I was waiting on XXXX to advise me Fay continued with foreclosure. When I contacted XXXX she appeared suprised and said that it should have been on hold. XXXX later said that there was nothing she could do about it now.
Product: Payday loan, title loan, or personal loan

The purpose of this email is to voice my concerns about an incident that just occurred over the phone when I called the XXXX, XXXX branch to request a permanent due date change for my loan. I am XXXX XXXX XXXX, a fairly new customer that recently received a loan from the XXXX branch. My experience up until this point was nothing short of amazing. The banker who processed my loan was wonderful, attentive, and a pleasure to work with. He was the reason why I decided to move forward with agreeing to the loan. Also, my experience with him impacted my decision not to refinance for a lower interest rate when I received multiple officers in the mail from your competitors. 

Unfortunately, the phone call that I just completed with XXXX XXXX has negatively impacted my view of your Financial Institution. When I explained to XXXX that I called to request a permanent due date change because of the adjustments that I implemented with my new budgeting system, she responded to my request as if my loan was delinquent and she was a collections representative. When she repeatedly asked me, " What's going on now that you need the change? '' I interjected because I had already articulated clearly the reason for the request. When I interjected while she was speaking, she told me that I was being " derogatory towards her and condescending. '' I was flabbergasted at XXXX 's response. How is it derogatory for a customer to interject to ensure that the representative understands your request especially when their response doesn't align with what you are trying to convey. XXXX was rude and did not provide me with a superior customer service experience. 

I was treated like a delinquent customer with a past due bill. This is unacceptable especially when all I am doing is adhering to a budgeting system that works for me which is what most responsible consumers do to stay on track financially. I am not sure why XXXX reacted in the manner in which she did, however, this situation needs to be addressed by your management team. Can you please review the call/interaction and perhaps re-train her on the necessary soft skills needed to provide customers with the appropriate care and respect? 

It is my right as a consumer to change my due date by law and it is unacceptable for a banking representative to create verbal barriers that imped upon your ability to do so. 

Thank you for your attention to this matter. 


XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Acct # XXXX
Product: Credit reporting or other personal consumer reports

COMPANY MIDLAND CREDIT MANAGEMXXXX XXXX  IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM MIDLAND CREDIT MANAGEM/XXXX  BANK, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

MIDLAND CREDIT MANAGEM/XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT-OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF MIDLAND CREDIT MANAGEMXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} ( Original Creditor : ) XXXX XXXX  : {$120.00} ( Original Creditor : ) XXXX XXXX  : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have loans with Navient totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.
Product: Vehicle loan or lease

I brought a car from US Auto Sales in XXXX of XXXX. They wrongfully repoed my car in XXXX of XXXX from my job and did not let anyone know that we were switching lien holders. Not only that, when they switched lien holders the contract started back over with higher interest. No documentation were sent over of this change nor did I sign anything agreeing to my lease starting over. They also wrongfully disabled my car when payments were made.
Product: Money transfer, virtual currency, or money service

There were three recent money transactions through Paypal I need to get back as soon as possible. The seller did not give me the product I paid for, so I need the money I sent them back. The first transaction was {$50.00} and its transaction ID is XXXX. The next transaction was {$50.00} and its transaction ID is XXXX. The final transaction was {$100.00} and its transaction ID is XXXX. This was done on my Paypal account. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.o not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The presence of a negative rating on my account is a source of great XXXX  for me. I'm extremely concerned about how it may affect my credit standing. This rating has already led to the rejection of a recent loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until the matter is resolved.
Product: Credit card

The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry
Product: Bank account or service

At least six times on depositing cash into my bank account the money disappears. The receipt shows a deposit but the money is n't actually in the account. My car payments and other bills have been affected over this. Friday was the sixth time I 've dealt with this. I 've heard it was a back office problem, a teller issue, new computer system issue, a closing of the day issue. The first time the manager of the Fifth Third branch in XXXX Michigan ( the bank I go to ) deposited my money in someone else 's account. I 've had it!!! What is so difficult about depositing money that they ca n't seem to figure it out!!!
Product: Checking or savings account

This complaint is regarding Fiserv for the second time. 
Fiserv XXXX XXXX XXXX XXXX Oh XXXX XXXX On XXXX at XXXXXXXX XXXX I called their number and spoke with XXXX in regards to a letter I received from Fiserv. She could not find me in their system using my name, social security number, or any other information I gave her. So then I asked if I should just disregard the letter and she responded yes. 

Since then I have received two more messages on my phone from Fiserv about reinstating my bill pay service, collecting payment. This company is impossible to deal with. They send me a letter and threaten that if I don't pay them it will be sent to collections but when I do call they can't find anything about me on their system??? How am I supposed to deal with this company? This has been going on since XX/XX/2023. I have long since changed banks so I can do my electronic banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized inquiry were made by XXXX on my credit report this was not recognized or authorized requesting immediate removal.