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

On XX/XX/XXXX, I opened a Saks Store Card via web application. My application was pending approval until I spoke to a processing representative. The representative approved the application over the phone and read the account number to me. The credit card limit was between $ XXXX. 

I tried to make a purchase online on XX/XX/XXXX, using the account number I received ; however, the order world not process for payment. I called Saks and the representative informed me that a the card was used to make a purchase was made for {$200.00} in XXXX XXXX, NJ on XX/XX/XXXX. I live in XXXX XXXX, CA. I immediately reported the charge as fraud and the representative assured me the fraud department would contact me within 24 hours. 

I either missed or did not receive a call from the fraud department. In XX/XX/XXXX, I contacted Saks to let them know I was still receiving a bill for the disputed charge. Saks claimed I never completed an official claim through Capital One. I contacted Capital One, who completed the fraud claim and assured me the matter was handle. I repeatedly asked for the card to be closed, but the representative insisted the card remain open in order for the dispute to be completed. 

I continued to receive bills in XXXX. I called capital one again and insisted the card be closed. As of XX/XX/XXXX, Saks has been calling and harassing me twice a day for over a month. The calls start at XXXX. I have found no relief through the available channels and the behavior is predatory. I have never had access to this physical card. I was never able to make a purchase. I believe the charge was made by an employee who has access to account numbers. I have exhausted all efforts to find a resolution and the matter is impacted my credit score.
Product: Mortgage

I have had a new mortgage with PNC bank for 18 months. I do not have a payment book. I was told to make my payment by telephone. In XX/XX/2018, the bank added a {$7.00} fee for paying by telephone. They started sending a payment letter monthly. In XX/XX/2018, I was told they cancelled the extra fee because their customers where unhappy. In XXXX, they started the {$7.00} fee again. I was traveling. The payment letter arrives about one week before payment is due. I was not here. When I returned, there was not time to mail a payment before the due date. THIS practice is unfair to the customers but would make PLENTY of money for the bank. I travel frequently. I expect a financial institution to furnish me with a complete payment book and to allow me to pay by telephone if needed. Another abuse to consumers by the banking industry. Thank you.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Systems Intl , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company ANY consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Systems Intl Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Systems Intl Inc Continues its collection efforts, I will file for litigation for actual damages caused and Credit Systems Intl , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX XXXX  to see if there was something he could do. He came back and said that he had checked with XXXX  XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : Bank Of America XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX  XXXX, XXXX XXXX ( XX/XX/2022 )
Product: Prepaid card

{$50.00} XXXX XXXX XXXX purchased in XXXX XXXX XXXX XXXX XXXX, NY compromised and used fraudulently in California. Attached statement of transactions, unanswered email sent to Incomm after I was directed to send an email by XXXX, copies of front and back of XXXX card and pkging. I discovered fraud on the card after attempting to use the card for the first time on XXXX. I checked balance on the XXXX authorized site to review balance and transactions. 
Reported fraud to XXXX and they have denied my claim. Advised me that I needed to contact the Merchant. I also reported XXXX to the Consumer Financial Protection Bureau and once again, XXXX denied all responsibility. They advised that they ( XXXX ) sent back the XXXX left on the gift card to me via mail, which I never received but is a completely unacceptable solution to a compromied gift card in the amount of {$50.00}.
Product: Vehicle loan or lease

The car was totaled and a large lump sum was applied to the principal balance. The payments I have submitted afterwards has not deceased the balance and the company told me it's because it is all being applied towards interest.
Product: Debt collection

I received a notice titled " Credit Settlement '' instructing me to pay {$510.00} a month to a company called Nationwide Debt Collection Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX for {$33000.00} in credit card debt. It claims to be a settlement of debt from various credit card companies. 
I believe this is totally bogus and I have no such debt so I do not plan to respond. I'm concerned that others might be taken in by this and ripped off so I am notifying you. 
The notice is XXXX Dated XX/XX/2018.
Product: Credit card

Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

XXXX refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

on XX/XX/2022 I sent a letter to both bureaus expressing the fraudulent and unauthorized accounts that are reporting illegally to my credit file, I also asked for them to send me proof of their investigations in which they have failed to do, and I asked for them to send me proof of them validating that the debt that they are claiming I owe, with documents bearing my signature, and they still have not yet done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, US BKPT CT XXXX XXXX XXXX XXXX, have violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; it also state a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,
Product: Checking or savings account

Hello Sir/Madam, I deposited two checks on XX/XX/year> ( {$2400.00} check no:XXXX ) and XX/XX/year> ( {$1000.00} check no:XXXX ) in Chase XXXX account XXXX. Both of these funds total of {$3400.00} were debited on XX/XX/XXXX and XXXX. I will attach the statement. 

So, I call the bank after many call I was able to speak to someone and the agent told me the check previously deposited ( XXXX and XXXX ) was credited again for the second time ( XXXX ). Which is why the amount was withdrawn from my account. But, then I told them I never deposited twice, it was an fraudulent activity. So. I said please can I get my money back. To do this they replied I should speak to the issuer of the check which I did but according to the issuer no funds were debited from the account which actually should have been the case. So, no damage was done from the check issuer side. 
But, the lapse are from my account. Somehow Chase debited the amount and transferred it to someone unknown. There is alot of red flags in this transaction as to how the funds were being withdrawn the second time, also without the knowledge of the account holder. No security was provided by Chase Bank. 

I hope the bureau will get to the bottom of this because its been a very long time for me running between banks trying to get my money bank. 

Thank you. 

XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, Wells Fargo is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Product: Checking or savings account

Truist fraud department under claim # XXXX reversed {$87000.00} from the business account of XXXX, XXXX Truist had no authorization to do so from their bank client. Truist staff keeps giving the business XXXX, XXXX the run around regarding the return of the funds to XXXX, XXXX. 

The fraud department at Truist has been notified by numerous Truist Staff and their customer XXXX XXXX that there was no fraud or forgery as claimed by Truist fraud department.

The business account of XXXX, XXXX has been shut down as a result of Truist reversing * {$87000.00} from the account of XXXX since XX/XX/year>. Truist staff and fraud department have ignored the repeated request from their client XXXX XXXX to return the funds to XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove this item that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Debt collection

My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Bank of America, Account # XXXX, open XX/XX/XXXX, status paid and closed, {$0.00} balance, credit limit {$3000.00}, date closed XX/XX/XXXX. I have been a loyal costumer to the mentioned company from years back. Around 2 weeks ago when Im trying to apply to my mortgage loan they are telling me that I have 2 delinquencies with BOA. First 30 days late was on XX/XX/XXXX and 2nd late for 60 days was on XX/XX/XXXX. I have never been late with BOA in the multiple accounts that I currently have with them and suddenly I found out that they have me with delinquents for of {$8.00}? Which I didnt even know they existed. Do BOA really thinks that if I knew that I owed {$8.00} I wouldnt have paid them that amount? I never received a late payment insertion as required by the FCRA. This unfair business, negligence and unreasonable. I respectfully request a deletion letter from BOA through CFPB portal. I have a  {$400000.00} mortgage loan pending because of this negligence from BOA. I already gave {$15000.00} deposit for the property, if I dont have a deletion letter from the mentioned company as soon as possible I might lose the deposit. In the event that this happens I will take this case to court and recover every penny that I have lost because of this error and also including legal advices and the cost of not borrowing funds at affordable rates to obtain loan. I have no other issues against BOA and would like to continue doing business with the company. Thank you!
Product: Credit reporting or other personal consumer reports

Ive been trying to have XXXX XXXX XXXX update and correct report and DELETE late payments.I even submitted a complaint through cfpb my contract with XXXX lenders began XXXX XXXX but I have false payments and transactions reporting on my credit reports dating back from XXXX XXXX. Pursuant to FCRA F section 1681s-2 ( a ) you must delete any incorrect information being reported on my report. I have included a photo of my contract with XXXX XXXX XXXX as evidence of this inaccurate report.
Product: Checking or savings account

Optum Bank, XXXX XXXX. I wrote XXXX checks between XXXX and XXXX All the merchants indicated the checks were returned by Optum Bank. Upon contacting Optum Bank and reviewing notices posted within my online account, I could not find any notice that paper checks can no longer be written. When I asked why, they said to check my email on file ( XXXX ) and my spam folder, and that this change went into effect on XXXX I checked and did not find a notice. I still do not see any notices posted within my online account. Nor do I see any notes within my online bank account that these checks were listed as returned. Poor communication and lack of notice has caused us to suffer returned check fees from our merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Any activity against my credit is not from me.
Product: Credit reporting or other personal consumer reports

Greetings, I have been notified by several monitoring agencies that my personal data information has been compromised, leaked and stolen. Thats including my name and likeness, address, email as well as social security number. Please Help! 
Thanks again.
Product: Credit reporting or other personal consumer reports

After recently checking my Equifax credit report I noticed that there were inquiries had no knowledge and did not authorize. Those inquires are XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XXXX XX/XX/XXXX. I attached a copy of my driver 's license and social security card as proof of identity, my utility bill as proof of residence and a copy on the identity theft report.
Product: Prepaid card

My card was hacked from a company name XXXX funds transfer XXXX XXXX XXXX XXXX on XX/XX/2024. The amounts was {$990.00}, {$15.00}. I don't know who this company is. I call federal reserves, and consumers reserves as well. I really need to know who took my money. The last place I scanned my card was XXXX XXXX and I spent {$100.00} XXXX XXXX. I canceled my way2go card.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding their failure to conduct a full investigation into a fraudulent account listed on my credit report. The account in question is a XXXX XXXX XXXX, Account XXXX ( # XXXX ), which I have repeatedly disputed as fraudulent. 
Despite sending several letters to Equifax, providing evidence that I have no connection to this account, and requesting a thorough investigation, Equifax has only responded with automated letters stating that the account was verified. At no point have they provided any meaningful details or evidence of an actual investigation into my dispute. 
I suspect this fraudulent account is a result of my information being exposed during the Equifax data breach, in which I was a victim. Equifaxs failure to take my concerns seriously and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) is unacceptable and has caused me significant distress. 
I request your assistance in ensuring that Equifax conducts a proper investigation and removes this fraudulent account from my credit report promptly. 
Thank you for your attention to this matter. I look forward to your response.