23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen from my apartment in XXXX XXXX, NY. Within 2 hours {$2400.00} was stolen from my account and I contacted Bank of America to alert them and request a freeze on my account. 

A police report was provided to Bank of America within 48 hours of the theft. 

The fraudulent transactions were made through XXXX XXXX  with my debit card number that the suspect stored on their phone ( digital wallet ). Bank of America incorrectly issued me a new debit card, did not freeze the account, and thereby automatically updated the debit card number in the suspect 's digital wallet. 

Because of this mistake by Bank of America, the suspect regained access to my account on XX/XX/XXXX and XX/XX/XXXX and stole another {$1200.00}. The total loss suffered became {$3600.00}. Upon discovering these new breaches I demanded a full stop on all transactions in and out of the account for a second time. Bank of America chose to remedy the situation with an {$880000.00} hold. 

An updated police report, stating the new total loss suffered, was provided to Bank of America. 

Today is XX/XX/XXXX and I have only received credits for {$1200.00}, and the account remains frozen. Bank of America has not paid the remaining claims ( {$2400.00} ) because of supposed " bank operator error '' on multiple occasions and I can not get them to properly remedy this situation. 

The final 2 claims of {$1200.00} each were most recently " closed as duplicates '' even though bank representatives told me these were opened as a result of the bank 's mistakes on previous claims. The bank started a debt collection process on the remaining {$2400.00}, and is not upholding their fraud protection guarantee.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries listed below. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file promptly.

Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance 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. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX XXXX  agreed to delete an erroneous medical bill collection, as I disputed and it never should have been passed to collections. I have disputed with Experian and they refuse to remove from my report despite having the letter from XXXX XXXX stating it should be deleted
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- XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Capital One has restricted my checking account because of an overdraft or fraud committed by a fraudster in the past. I would like this account to be restored, waive the fee on the account XXXX. I reported my identity theft to the FTC, they stated to contact CFPB and have CFPB tell Capital One to restore my checking account with the overdrafted amount waived, as it was an identity fraudster 's actions and not myself. I have tried to call Capital One but to no avail as they just ignore me and hang up. To repeat, the transactions done on the XXXX checking account were performed by a fraudster who stole my ssn and phone number, which is all secure now but I would like that account restored please.
Product: Consumer Loan

XXXX in XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ph. XXXX gave me a auto-title loan on or around XXXX XXXX, XXXX and at the time I was XXXX ( as of XXXX XXXX, XXXX ), not receiving any XXXX then or since, or had no means at all to repay the auto-title loan. I did not have to provide any proof that I had a job or any means to repay the loan, only previous pay stubs from a job/employment that I was no longer affiliated with. We went through the paperwork so fast, all they said was sign here, here, here, here. The were out to process as many loans as they could. In XXXX XXXX, another refinance, and then in XXXX XXXX, they towed my XXXX XXXX XXXX, to get out of the pound, my neighbors and friends pooled together over {$550.00} to get my van back. Not only was I charged by XXXX for the tow bill, I also had to pay the tow company ( which I paid separately ) for the tow bill. XXXX billing. The amount of the original loan was only {$700.00} plus all these other charges which I was unaware of.. {$870.00} initially. They call my phone XXXX a day everyday wanting to take my only means of transportation with threatening messages that they are sending this to legal. I feel like I 've been violated. This company is TMX Finance in XXXX XXXX XXXX XXXX, GA XXXX as InstaLoan in XXXX, GA XXXX. I have contacted and filled out application for assistance from XXXX XXXX XXXX XXXX Florida on XXXX/XXXX/XXXX and gave them copies of all the loan paperwork, etc. that I have. I 'm still XXXX, XXXX, receiving XXXX, no unemployment, and have received no other income whatsoever before this action up through today. Please help me as I feel this entire business is crooked. My next step is to take this to the local newspapers for print.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have MULTIPLE issues with Equifax to provide. 

1. I sent Equifax the required documentation pursuant to 15 USC 1681c-2 ( a ) and they decided to completely ignore what I sent and stated that they were " factual ''. They also told me that I would have to reach out to the " creditors '' directly when it the FCRA CLEARLY states otherwise.

2. I sent Equifax MULTIPLE letters requesting that they update the date of birth they had listed for me as it was inaccurate and they were actually sent ID to prove that what they had on file was incorrect. It took me filing a complaint through the CFPB for them to update the information. 
3. I opened a disputed with Equifax in reference to XXXX XXXX XXXX and they stated that the account was a matter of " factual record '', but they never provided me with the description of the investigation AND when I pulled my most recent consumer report, that item is no longer on there. They failed to notify me of the reinvestigation results. 

Equifax is clearly showing that they are not willing to follow their grave responsibilities pursuant to the FCRA and they will do it at the consumer 's expense. They have violated my rights more than ONCE and the above listed occurrences are just a FEW. As a consumer reporting agency, you have assumed a vital role and you are continuing to fail. You were never provided written instructions to furnish my report, but yet, you are doing so inaccurately and obtaining money for doing it.
Product: Checking or savings account

On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds. 
I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this.

The fraud and theft happened to me and my account NOT the Department of Revenue.

All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue.

This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.
Product: Credit card

I made a purchase at XXXX. I returned part of the order to XXXX because I didn't like the items. XXXX sent me a partial refund for those items. 

A few weeks later, I returned more items to XXXX because they were atrocious quality, borderline scam for nearly {$100.00}, cheap XXXX quality. XXXX rejected the return and sent the items back to an address I do not live at, as reflected on my billing address. Now I neither have the items nor my money. Essentially theft. Apple continue to side with XXXX in this matter because I have a partial refund from them on my account from the above situation. Apple is completely in the wrong for siding with XXXX, my money has been taken. I have no product. The refund on my account from that purchase was for different items. They need to refund the charge PARTIALLY and I don't understand why its so difficult for them to figure that out.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 ( {$4800.00} ) National Credit Systems placed inaccurate information on my credit report. Address : XXXX XXXX XXXX XXXX XXXX. I mailed a certified letter to this company addressing this matter. Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia. Ive disputed it online as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was Chase account open under my name and was being used until someone maxed out the balance. 


I disputed all the information as soon as I was aware of it because it DID NOT match my mailing/physical address, phone number nor email. I reached out to the company and they demanded that it was me I even provided documentation that it wasnt. They then sold the account to a collection agency that keeps harassing me. 

THEY DID NOT REMOVE the incorrect address, phone number or email associated with that unknown person from my credit report They still did not DELETE the information nor did they remove it from my XXXX or XXXX!
Product: Credit card or prepaid card

I filing this complaint in dispute of a late fee that was applied to my Kohl 's account in error. I have NEVER been late on this account or any account for that matter. I initially disputed this in XXXX, contacted all 3 credit bureaus and the matter was resolved. Now I received another late fee in error. On XX/XX/XXXX I received a late fee of {$29.00}, I made a payment online on XX/XX/23 for {$190.00} after trying many times through the automated system to make a payment with no prevail. The payment was reversed without being notified. I was not aware of this happening until I received an alert of my credit scores dropping and saw another late fee applied on XX/XX/23. I contacted Kohl 's several times and talked to many customer service reps and supervisors for days, XXXX I made a payment of {$190.00} and {$80.00} of late fees were adjusted off of the account as well as the late payment remark. During this time I opened disputes with all 3 credit bureaus to have the late payment removed from my account since the late payment and chargers were removed from Kohl 's account. This was resolved and my score returned to normal with all 3 bureaus. I had a credit of {$35.00} on my account and no payments owed. Now another late payment was reported for the same issue that was resolved the previous month.
Product: Mortgage

In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.
Product: Debt collection

XXXX has sent a debt You will need to contact the third-party agency, CBCS, by calling ( XXXX ) XXXX to determine eligibility for a settlement on the account. Who put an acronym before typing out what it means? That's what XXXX has done I don't know who this company is that I have to reason with to resolve any dispute.
Product: Mortgage

XXXX ) The mortgage modification document received is incorrect. It has XXXX people on the loan and its only XXXX person. 
There is not a second person to signed the documents. 
XXXX ) the documents do not disclosed where the new loan amount is coming from. 
XXXX ) there is an amount of almost {$74000.00} that the bank has failed to disclosed and explained. 
XXXX ) the employees in charge of my file have failed to attend all type of request for information and have failed to attend the request to explain the documents and disclosed amounts that add up to the total. 
All these info has been requested to be provided in writing and the employees have failed to provide that information.
Product: Credit card or prepaid card

Fraudulent charges were made to my Chase card over XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I became aware of these fraudulent charges and I contacted Chase by phone to report them. I still had my card in my possession ( the card itself was not stolen ) so there was one legitimate charge and the rest were fraudulent, which I identified at that time. They conducted their internal fraud investigations and determined today ( XX/XX/XXXX ) that I am responsible for most of the fraudulent charges. Of the {$2100.00} fraudulent charges, Chase claims only that I am not responsible for {$320.00} - meaning I am being held responsible for {$1700.00} of fraudulent charges. 

Additionally, when I spoke with a Chase representative a few days ago, while they were still finalizing the investigation, the rep stated in response to my question about how the charges might have occurred despite the card still being in my possession, that it was " entirely possible '' that my card information/numbers might have been swiped and used via XXXX XXXX or some such application for the in-store purchases. 

Summary : {$2100.00} ( 15 transactions ) of fraudulent charges XXXX ( 5 transactions ) - covered XXXX ( 10 transactions ) - not covered Fraudulent charges made XX/XX/XXXX - XX/XX/XXXX I contacted Chase XX/XX/XXXX
Product: Checking or savings account

Mailed Check was stolen and altered amount, payee and written amount. Original amount was {$120.00}, altered to {$820.00}. Money not returned to our account since we filed fraudulent affidavit with US Bank in XXXX CA, XX/XX/XXXX, XXXX Bank has since closed in our area. 
Numerous calls to US Bank Fraud Department with many promises and no results.
Product: Credit reporting or other personal consumer reports

I WANT TO REMOVED THOSE INQUIRIES FROM MY REPORT BECAUSE I DON'T RECOGNIZE THEM AND IT WAS NOT AUTHORIZED BY ME. ( EQUIFAX ) XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX  ( EQUIFAX ) XX/XX/XXXX XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me and were not authorized by me. Please remove these asap. I have included the identity theft reports as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt was not created by me my information was exposed in the data branch they didnt verify the contract or ask for an id when creating the account anybody can get a whole of ssn, birthdays, etc especially after being exposed in result I would like this removed off my credit
Product: Credit reporting or other personal consumer reports

This marks my tenth attempt to bring to your attention that I am a victim of identity theft. I am submitting this complaint to dispute the inclusion of items in my file resulting from this crime. The contested items are unrelated to any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. I request the removal of the reporting of these items from my credit file, which stems from an alleged identity theft, in accordance with FCRA Section 605b. Per the aforementioned section, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, under reference number XXXX. Please review the specified items that necessitate removal from my credit reports : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and Portfolio recovery systems have purchased my accounts from other creditors and do not have proof that I owe anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : hard enquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

COMPANY : SPS or Select Portfolio Servicing , Inc . 
STATUS : 2d Mortgage In XX/XX/XXXX, XXXX XXXX was XXXX XXXX military, serving in the XXXX XXXX XXXX, stationed at XXXX XXXX, VA. This loan was sought as a refinance to gain cash for debt relief ( e.g. pay off bills ). We are victims of SPS in the facts that we sought a lower interest rate and invoked protections under the SCRA and the MLA both intended to protect XXXX XXXX military from subprime lenders which disproportionately affected XXXX XXXX such as ourselves. We have tried throughout years up till XXXX of XXXX ( XXXX XXXX military retirement date ) to request SPS lower the IR but were ignored. We sent certified letters invoking the SCRA and MLA but SPS ignored our inquiries. To date, we are just pouring money down the drain so to speak as the interest is so high and unreasonable SPS contract loaned us $ XXXX in XX/XX/XXXX and has calculated a $ XXXX payout at the end of this loan. This is unreasonable and should be illegal! Now, we seek help from CFPB as we don't know how to relieve ourselves of this subprime mortgage as our efforts to get a reasonable rate has been ignored to date. We have researched the web and found that we should send a " Notice of Error '' for the following because we don't understand our loan terms and it seems with every statement we have extensive fees added to the and swelling principal. No matter when we paid on time or like now, we have not paid since XX/XX/XXXX due to financial problems the principal always increases and never decreases. 

We contend that SPS is : -applied subprime interest rates exponentially high that loan payoff is impossible -refusing to accept conforming payments -improperly applying or crediting payments -imposing unreasonable fees or charges -failing to provide accurate information regarding workout options and foreclosures -dual tracking the customer ( where the servicer pursues a foreclosure while simultaneously evaluating you for a modification or other workout option ), and improperly starting a foreclosure or conducting a foreclosure sale.