23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to bring to your attention a fraudulent transaction that was made from my account on XXXX. I was shocked to discover that {$1000.00} was withdrawn from my account without my authorization or knowledge. Upon discovering this unauthorized activity, I immediately contacted Bank of America to report the fraudlent transaction .After that, XXXX I discovered {$440.00} another fraud transaction on my wife account .Most part of this money were pending when we called the Bank. We called immediately Bank of America customer service again and report the fraud transaction. Firstly, They open claim and paidback my money, however, XX/XX/XXXX, I got some letters from Bank Of America, I have attached a copy of them. 
I discovered from Bank research XXXX an account had been created on XXXX  XXXX  in my name without my knowledge or consent. Subsequently, XXXX tickets for a XXXX XXXX concert on XXXX were purchased using my Bank Of America credit card XXXX amounting to a total of {$1000.00} XXXX contacted to Bank of America again and explained my situation and also I field a police report to document the incident .To my dismay, despite these efforts, the issue persisted. 
I also reached out XXXX XXXX Customer service to address the situation .However, during our communication, they claimed to have sent verification emails and asserted that the tickets had been delivered to my mailbox .I explained them I have not received any such emails, and the tickets were never delivered to my address .After that XXXX XXXX offered me 2 alternative tickets for a different event for selling and getting money .I found this solution inadequate and I did not accept their offer because I never bought any tickets from their website. Then, I went different time to Bank of America for solving this problem. However I did not get any helpful step and Bank offered me I should to pay back {$130.00} for my credit score. And at the same time Bank Of America sent new message to my wife email address about my wife claim XXXX. They did not send any information about my wife fraud transaction but they demand {$440.00} pay back. 
In addition, I have filed a police report and attached a copy for your reference. 
Please investigate this matter urgently and keep me informed of the progress of your investigation. I would appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In according with the fair credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate And according to the fair credit reporting act whenever a consumer Reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e x b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Debt collection

Original Creditor : XXXX XXXX  Merchant Name : XXXX  Original Account Number : XXXX Current Servicer : Midland Credit Management , Inc XXXX 
MCM  Account Number : XXXX Current Owner : Midland Credit Management , Inc . 
Current Balance : {$2100.00} I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account and is not mine. I am not liable for this debt and I do not have a contract with this company. I also filed complaint with the XXXX XXXX XXXX. I have contacted this company multiple times to inform them this account was fraudulently open due to Covid-19s scams and frauds. This is not my account and I want it removed of my credit report at once
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. I demand that you remove these fraudulent accounts from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I was notified on XX/XX/2022, via XXXX XXXX that someone opened a {$4000.00} personal loan in my name in XX/XX/2022. As a case of identity theft, I froze my credit lines and social security number. I also created a police report with the XXXX XXXX Police Department, case number XXXX. 

I notified Upgrade, Inc immediately when I noticed the suspicious activity. Ever since, they have been dodging emails and giving me template responses. I have made MANY attempts to get in contact! The only way to get a response from the company is by threatening them by going to organizations like XXXX XXXX XXXX. I have reached out to XXXX  and the ended up closing my case and concluding that I will remain a dissatisfied customer. The only issue is that this loan is destroying my credit ( has dropped XXXX  POINTS ). They are also sending me threatening letters that they will accelerate my loan if I do not make payments. 

I have given them all required documents, FTC Affidavit, proof of identity, bank statements from fraudulent bank accounts that were used to open the loan, and many more. They also will not give me any information regarding the application, which I find is against the Fair Credit Act as I have provided too much information for them to continue to deny my rights. 

I see that I am not the only one experiencing this on the XXXX XXXX XXXX website. I do not find that this is an ethical way of running a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. It has since been resolved with XXXX Bank and was removed from my XXXX report. However, the account remains as a collection on my Experian credit report.
Product: Mortgage

We are a self-employed married couple, with a XXXX XXXX in Pennsylvania. Our Governor, Governor XXXX, has sit all business down and given us a stay-at-home order. We cant work and do not have any income. We have attempted to call BB & T to be responsible and discuss deferment during this time when we are not receiving income due to Covid-19. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 5 minutes. Call when disconnected when answered. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 19 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 3 hours and 3 minutes. Had to hang up. 

XXXX- on hold with the BB & T mortgage line for 2 hours and 8 minutes, was after hours at this point, hung up at XXXX Still no resolution. We do not want to default. Our payments are on auto-withdraw and we dont want our accounts to go negative either. 

I have learned from others that they are offering a 3 month deferment- then at the end they expect lump sum repayment to include all 3 months plus the current month due. 

How is anyone to pay 4 months of mortgage payments in a lump sum after not working and having any income? 

Other companies are offering deferment and the deferred months are going to the end of the term to extend it by 3 months. 

BB & T is not helping their customers. They will be putting them out of their homes and on the streets!
Product: Debt collection

While reviewing my credit profile I found a paid collection from this company. I have never heard from this company and have not had any communications with this company. I was not given any information regarding this debt. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following fraudulent addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX. My current and only address is please delete all other variations. I am no longer affiliated with the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH   XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE TO GET THIS RESOLVE BEFORE I CLOSE ON MY HOME!!
Product: Mortgage

I have requested from Specialized Loan Servicing LLC that they waive or credit back a {$25.00} fee placed on my account for insufficient funds on the following basis. I should not be penalized for SLS 's wrongdoing. Multiple attempts have been made with customer service, all of which provided no resolution. I am now unable to sell my house without conceding the erroneous charge as a result of SLS 's egregious behavior. 

- The bank account information SLS drafted from was never provided to SLS by myself. I am not aware of how SLS obtained this bank account information. They should have never had this sensitive personal information. 
- SLS set up auto-pay on my behalf, without my consent- I never authorized payment to be drawn from the account ( of which I never shared information for )- I promptly paid from the correct account - SLS failed to acknowledge their receipt of a notice of error letter and have done nothing about it ( posted XX/XX/23, received XX/XX/23 ).
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a dispute regarding a product that arrived defective in the amount of {$37.00}. Bank of America issued a temporary resolution in my favor on XX/XX/XXXX of {$37.00}. On XX/XX/XXXX, the claim was reopened without any communication after Bank of America received a response from the merchant. On XX/XX/XXXX, I received an electronic communication requesting more information regarding my contact with the merchant. The requested information was due by XX/XX/XXXX. On the evening of XX/XX/XXXX, I submitted substantial ( 20 or more pages ) of documentation. On XX/XX/XXXX, without reviewing the information provided, Bank of America closed the case with and sent electronic communication stating that the case had been closed because of failure to respond and charged my card the amount of the original transaction ( more than the disputed amount ). We called Bank of America on XX/XX/XXXX to determine what had happened and were told that they had requested additional information for a XXXX review of the dispute and that they had, in fact, received the information we provided. On XX/XX/XXXX, Bank of America issued a correction to our statement refunding the difference between the original amount and the disputed amount. The week of XX/XX/XXXX, we were told that XXXX had resolved the claim in our favor and a refund would be provided within a week. On XX/XX/XXXX, we were told that XXXX never reviewed the claim and that the claim had been opened because the merchant responded, but that they ruled in his favor because we did not respond. Between XX/XX/XXXX and XX/XX/XXXX, we have had multiple phone calls. Bank of America is currently claiming that because their electronic system automatically closed out the claim and rebilled us for the amount that they had to reopen the claim and are reviewing it. We were told on XX/XX/XXXX that Bank of American would complete their review by noon on XX/XX/XXXX and to call before the end of the day because they would not be sending any electronic or written communication about the results. We called the afternoon of XX/XX/XXXX to be told that they had not yet completed the review and they did not know when completion would occur.
Product: Money transfer, virtual currency, or money service

Hello, I am a Spanish citizen named XXXX XXXX, I have an account at the XXXX company coinbase.com, for many years, I have always had it to save a little and save it, which is my surprise that today XX/XX/XXXX XXXX I receive an email that my account is blocked and they won't let me operate or do anything, I write to support and they laugh at me as if to say, I have more than XXXX euros right now, what is happening?? I think that after years with them they have no reason to block my account and lose everything. My registration email is XXXX. Please help me solve my problem. I feel totally cheated and losing my little saved money. Thank you very much. greetings
Product: Vehicle loan or lease

I leased a XXXX  XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$500.00}, XXXX XXXX XXXX : {$190.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Checking or savings account

I applied to open a Citibank Priority Checking and a Saving account on XX/XX/2021. I was approved online and I funded them with my other bank accounts. My funding account was deducted {$50000.00} the very next day. On XX/XX/2021, I received two letters Citibank mailed on the XXXX, saying they rejected my accounts application and would close all my accounts in 60 days, plus they will reject all my future applications as well. I called the Citibank New Checking Department and they don't know any detail of what lead to this situation and they won't do anything about it. 
Today is XX/XX/2021, I still haven't received the refund check and instead, I received two monthly statements from Citibank showing my account balance. 
For more than 80 days, I have no access to my fund, nor to my bank account information. All the communication attempts made by me have been declined by the Citibank New Checking Department. It's a nightmare, and I still couldn't see an end to this. Please help!
Product: Debt collection

I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice that were some things that was not correct. I sent a letter to Experian on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). 

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well. 

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause. 

B ) Reporting information after a notice and confirmation of errors. 
If the person has been notified by the consumers, that specific information is inaccurate. 

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact XXXX and Equifax to get this response numerous times and no one wanted to assist XXXX they are unable to get me an online account to dispute the inaccuracies Equifax will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report
Product: Checking or savings account

someone else made a purchase using my card but wells fargo so i set up a claim to get my money back but wells fargo declined it even though i was telling the complete and whole truth