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

On XXXX XXXX XXXX XXXX XXXX my laptop and other belongings were stolen from my vehicle that was parked outside my partners home. On XX/XX/XXXX my credit card from Bank of America was charged for a amount of {$1700.00} from a company named XXXX. I had previously used this site to purchase sneakers but the person that stole my laptop used my account and the saved info of my previous purchase to order something. What i didnt know was that they sent it to my house. For a while my sister and mother had dozens of packages that were going missing from our porch and I concluded that there was someone going around stealing packages. Maybe it was the person who stole my laptop and was trying to recover the order they had made. 
Bank of America is still not wanting to credit my account since this was a fraud and I have now filed the same claim 4 times over the course of 4 months and still no help. I dont know what to do no more and they are even charging me late fees for not paying the monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have XXXX different inquiries i don't use or recogonize. i have my name in a dark web, which they informed me of, but they still won't remove theses inquiries out of my file. THese inclue, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX. XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX the fcra says any bon authorized. non-verfied item must be removed. the bureas say some garbage about a permissable purpose, these inquiries have no permissable purpose for me. thank you
Product: Vehicle loan or lease

On XX/XX/XXXX - Ford Credit sent their 3rd party company XXXX XXXX XXXX to inspect my XXXX XXXX because my lease was ending XX/XX/XXXX. I got a official report from XXXX XXXX XXXX saying my balance is {$1200.00}. XXXX XXXX also sent me a bill a week later stating that said I owed {$1200.00}. On XX/XX/XXXX, I went to the Ford dealership to return my leased vehicle and found out, my balance was {$110.00} more than both of my statements, I have received from Ford Credit and XXXX XXXX XXXX. There was nowhere on both statements that state and/or local tax is due for " Excess Charges ''. I have called Ford Credit a few times since XX/XX/XXXX to resolve the situation and the customer service representatives have been unprofessional everytime without addressing my situation or allowing me talk. I want to pay my final bill but would like someone to explain why I was n't informed about this tax. I enjoyed my leased vehicle, but with the unexplained " tax '' and unprofessional customer service representatives, I will never do business with Ford! Buyer Beware!
Product: Credit card or prepaid card

In XX/XX/2021 we contacted XXXX stating we noticed charges on our credit card statement that we did not purchase from XXXX. XXXX acknowledge in writing on XX/XX/2021 to XXXX XXXX that " I was able to find the charges on another customer 's account for {$3700.00} but, for security purposes, I am unable to share the details with you. If you still do not recognize these charges, please dispute the charges with your bank. To avoid any additional charges, I also recommend asking your bank about the possibility of having the card reissued. Also, none of these purchases were related to your XXXX account or address ( es ) listed in your account ''. 
XXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX. Also disputed the charges multiply times and Bank of America always responded in writing " As you requested, we completed a re-evaluation of your credit card dispute {$3700.00} - unfortunately, our decision to decline your fraud clam for this transaction ( s ) hasn't changed. '' We have disputed this many, many times including sending a police report and a copy of the XXXX email stating they were not our changes and still Bank of America declines the claims. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ).
Product: Bank account or service

Hello. I am Citibank checking customer since XX/XX/XXXX. On XX/XX/XXXX, I signed up for Citibank savings account ending XXXX via the banner offer which i an attaching as a PDF printout. After signing up for the account i called Citibank and the representative assured me that i will get the offer. As per offer, i am supposed to receive {$300.00} for keeping {$25000.00} or more until XX/XX/XXXX. I kept more than {$25000.00} in the account till XX/XX/XXXX but now Citi bank is saying that i am not eligible for the offer They are saying that i was not targeted. The PDF printout states that i was enrolled in the promotion and terms and condition on the PDF print out does not have any language regarding targeted and Citi representative assured me that i will get the bonus for keeping above {$25000.00}.
Product: Debt collection

Last year my XXXX account was hacked 3 times ( sim-swapped 3 times using identity theft + phone purchased by identity thief ) so I left XXXX and moved to XXXX XXXX. When I left XXXX all my bills were fully paid and I spoke to a rep handling my case who said I was fully paid and my account was closed. 

However, after I left further fraudulent charges were made against my account for a 4th time and I received a large bill for services I never used. I called XXXX and explained this to them. They said they would take care of it and contact me if there was an issue. Fast forward 6 months and I am received notices from a debt collector, RPM, who bought my debt from XXXX. 

I called XXXX 4 times this week to settle the issue. The first time I was told I would get a call back in 2-3 days from the fraud department. A week passed and nothing happen. The other times I told my story and was told I would be transferred to another department and waited anywhere from around 30 minutes each time only for them to hang up on me 3 times in a row and never call me back.

I finally called RPM from rpmpayments.com and told them what happened. they said that since I was a customer for 3 years that the charges were not fraudulent. I explained myself very clearly that the fraud happened at the end of my time at XXXX  even though I was a paid customer for several years.

They said they will ding my credit if I do not pay and hung up suddenly. I do not see a way out of these charges given the harassment by RPM and the poor customer care from t-mobile. It is causing me distress. I have communicated my side of the story with RPM a couple of times through written emails and calls and the people I speak to barely speak XXXXXXXX XXXX XXXX wont even give me the time of day and simply hang up on me when I call. I do not know what to do about the fraudulent charges and harassment against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of my privacy rights under HIPPA Law. I have continuously asked XXXX XXXX XXXX to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Product: Debt collection

XXXX XXXX XXXX called me 4 days ago. They also called my husband my mother in law and my husband 's uncle. Who knows who else. This seemed incredibly invasive considering his uncles name and phone number is no wear near anything we own/have any debt on etc. They called me about an account that apparently had like XXXX I needed to pay. They had it under my old married name which is incredibly weird considering the apparent date it was opened which was XXXX. Me and my husband got married in XXXX why would I open anything I'm my madien name. They gave me an account number which I called the bank about and they can not find that account in their records or in collections. My credit report has no records of it. They have said mail and email has been sent out but we have not received anything. Nothing is adding up at all and it's all super sketchy and 100 % feels like a scam.
Product: Mortgage

I paid off my loan XX/XX/2021. Sun Trust internal processes allow for 30 days to process loan payoff and lien release. It has been 48 days and they still have not processed the payoff or the lien release. I have received NOTHING from Sun Trust/Truist other than a refund of my escrow account. I have made 3 calls and they have no answers as to when the payoff and lien release will be processed. This is not an isolated incident as I have had numerous problems over the years with the way Sun Trust serviced my loan. Some companies should not be allowed to be in the Mortgage business and this is one of them.
Product: Credit card or prepaid card

I had a credit balance on my Comenity Bank credit card account for 3 transactions that i was owed a refund by a merchant. Comenitys negligence for over 6 months now is unacceptable. Supposedly they mailed out my credit balance refund of {$24000.00} on XX/XX/21. this refund check was latter stopped and it bounced after I deposited it. They Supposedly re-issued the refund on XX/XX/21, but as of today it has still not been delivered to me. i tried calling them by phone, but these phone personal only keep on suggesting for a new request to be submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to freeze my credit reports XXXX times using Experian 's website. Each time I submitted the online form with correct information, the website displayed an error message saying that my request could not be completed and that I had to mail in documentation. 

I had no issues freezing my credit reports with XXXX and XXXX on the first try during that same time periods. 

Based on the consumer complaints, this has been a known issue for almost two years, ever since freezes became free. 

There is no excuse in this day and age for a financial firm to have inadequate security and technology 2 years after a major breach and new laws being inplemented. Experian seems to be willfully skirting their legal responsibilities by making it difficult for people to protect their identities using the most convenient method ( the internet ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To  Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX/XXXX
Product: Student loan

On XX/XX/24 I made a final payment to close out my private XXXX loan in the amount of {$3000.00} to Firstmark Services. Per the loan servicer 's site, I was required to pay more than the amount left on my loan to avoid interest and fees. I ensured that I had enough to pay the amount plus XXXX cents over. 

After 2 months I had not received a refund for the XXXX cent overpayment. I called Firstmark on XX/XX/24 to check on the status of the refund and was told that they would not repay amounts less than {$1.00}. When I asked that they process the refund, the Servicer stated they would put in a request and to check back in a week. 

On XX/XX/24 I contacted Firstmark Services again to get an update on the status of the refund. I was told that the refund has been denied by the Loan Administrator, National Student Loans, because it was less than {$1.00}. The customer service agent asked again and I was told they would not make the refund payment and there was not further information they could provide. 

While this is a small amount, it is still money owed to me for the overpayment of the loan. The loan servicer 's ( Firstmark Services ) did not state refunds would not be made if they were less than {$1.00}, only that I was required to make an overpayment of the final amount of avoid interest and fees.
Product: Credit reporting or other personal consumer reports

After requesting removal of unauthorized reporting, these companies violated my consumer rights. Experian, XXXX, and XXXX. Violation of FRCA 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX  XXXX  XXXX  Acccout # XXXX has violated my rights. 

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: Money transfer, virtual currency, or money service

On XX/XX/year>... I noticed that someone hacked into my Chime bank account and stole my whole paycheck with the total of {$1300.00}. I during the name was at work which is XXXX XXXX XXXX at my job Im not allowed to use my phone. I downloaded Chime because my original bank didn't get paid on Wednesday but Chime did! I've used Chime for nine months and never had this problem so I was a bit confused. I called Chime and opened up a dispute and within 2 days the dispute was already closed and denied. After them closing the case I went ahead and got the police involved .. received a police report, gathered my time card from work stating what time I was at work from and to on that day, I sent Chime the emails stating someone was trying to hack into my account from XXXX XXXX XXXX mins before the transaction happened! Im only XXXX XXXX XXXX and I work really hard... Ive been in this situation with Chime for about a month now and my case keeps constantly getting denied after telling me plenty times that the case is going good and looking good they end up denying it again. Ive provided all the legal documents and statements stating I did not make this transaction. I am very upset!
Product: Checking or savings account

I ordered a auto part from XXXX XXXX XXXX. They told me the item would ship by end of day they gave me a XXXX tracking but item was never shipped. I have email stating it would ship. Upon further evaluation I realized that the two address of the company out of XXXX were fraudulent. One was a house and the other was a place where people can work individual for a fee per month. none were a Wearhouse to ship auto parts. Upon further review the company has a F rating with the XXXX XXXX XXXX I disputed the transaction with Wells Fargo and asked for temporary credit due to financial hardship. I need the part to get my car fixed. But Wells Fargo has claims open for me from over a month ago. As of XX/XX/XXXX my claim was denied the autopart was giving a refund from XXXX. I need my credit to be permanent
Product: Credit reporting

I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.
Product: Vehicle loan or lease

I've been trying to solve it with them, previously I had financial difficulties before I called West lake Financial Services and was told that my account is eligible for a 1 moth brake in payments every 4 months of consecutive payments, these people are giving me a hard time and besides penalized me an additional {$33.00} on the top of already very high balance with extremely high interest rate, they are ridiculous, I've contacted them on a XX/XX/XXXX to let them know that I will need a brake this month but they seem not to understand, I believe they have difficulties understanding English and what I'm trying to ask for, please make sure they report my account accordingly, very disappointing! They added penalty when I let them know ahead of time that I'm taking brake this month due to my financial circumstances. Please make sure these people do their job right not telling me on the phone " I don't know whom you spoke to before but ... ... '' This is horrible customer service experience!
Product: Checking or savings account

Chase deleted an ACH external account that I transfer money due to fraud risk ; However after instructing them to add the specific account they have failed to show any effort to initiate the addition - No proof of micro deposit provided to client. 
- No communication between Chase and XXXX XXXX - No information exchange between Payment team and Technology team trouble shooting the info. Instead they are asking the client to provide more screenshots ( already provided screenshot of online error message )
Product: Checking or savings account

I had a Issues with them freezing all of my accounts up some had hacked into my accounts on line like 6 times and I had submitted multiple security appeals and every thing else and I have been getting the run around from the credit unions security operations department I had some one do Identity theft on me and hack into my accounts there and they are treated me like I am the XXXX criminal that did the XXXX and its like they are placing the blame on me instead of the person who did it. There security operations department has made several XXXX  remarks tourds me because of my last name being XXXX  XXXX and refused to remove the security restriction, Want the matter investigated very very Thurley and want them find. For discrimination.
Product: Credit reporting or other personal consumer reports

Yesterday, I have a notice an inquiry to my name by a company name : Comenity Capital/SEPHOR XXXX I never apply to this company or I never hear of this company. I have frozen all 3 of my credit bureau. I also call XXXX and put a fraud alert on my report. XXXX told me I should make a fraud complain to CFPB, about this inquiry and the company.
Product: Vehicle loan or lease

I am writing to formally request debt validation for the auto loan account referenced above currently being serviced by XXXX XXXX XXXX, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I have serious concerns regarding the ownership of this loan, the authenticity of certain documents. I request that you provide the necessary validation of this loan within the next 30 days. Please provide the following : 1. Evidence of Ownership of the Loan : Documentation confirming the current owner of the loan, and whether XXXX or another party ( such as a securitization trust noted in XXXX ) holds the beneficial interest. If the loan has been transferred, please include relevant documentation. 

XXXX. Original Loan Agreement : A certified copy of the original loan agreement and all related documents ( i.e. assignment and endorsements ).

3. Verification of Electronic Signature : Evidence validating the authenticity of the electronic signature attributed to me, including : o A digital certificate validating the signature.

o Metadata documenting the date, time, and method of the signature 's execution. 
o Evidence demonstrating the chain of custody for the signature, showing proof it originated from my device or account. 

XXXX. Evidence of Consideration : Proof that consideration ( e.g., loan funds or goods ) was provided by XXXX XXXX XXXX in exchange for my agreement to the loan terms. 
o Please note this request is also being sent to XXXX XXXX XXXX XXXX CO. 

If you are unable to provide the requested documentation, I expect this loan to be considered paid in full and title will be released to me or I will pursue further action, including potential litigation or arbitration as outlined in the original agreement. 

Thank you for your attention to this matter. I look forward to your prompt response. Please contact me at XXXX or via email at XXXX for any further information or clarification. 
Sincerely, XXXX XXXX