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

On XX/XX/2022 I used XXXX XXXX  XXXX Zelle to transfer {$50.00} and then {$30.00} to an online scammer ( total {$80.00} ) to buy tickets to a concert. The person kept asking for more money and never sent me the tickets. This conversation took place on XXXX. The persons name on XXXX was XXXX XXXX XXXX. The zelle account I sent the money to was under the name of XXXX and the phone number associated with that was XXXX. The person also sent me a picture of an ID ( probably fake ). 
I reported this to XXXX Zelle, but they said that I may not get my money back because it was a direct transfer.
Product: Credit card

In advance of making a major credit card purchase for a vacation, I called B of A to confirm that I would get the advertised cash back 6 % rewards, and was told yes, twice. I then thanked the agent and made the purchase, as discussed with him.

After I made the purchase and received my statement, I noticed that they did not honor that advertised and verbally confirmed commitment by saying they did not enroll me in the promotion, as I asked the agent to do and confirm.

After a number of attempts to correct this, I cut my ~20 year relationship with B of A, as some premier (? ) level client. 
I have since received through my current bank, XXXX XXXX, a physical check # XXXX BofA sent to them in our names, in the amount of {$38.00}. This is appreciated, but confusing ( no explanation ), and falls far short of their advertised and verbal commitment of the credit card cashback received incentive. I have since read in the print media that I am not the only one that may have been lured into their incentive programs that they did not honor.
Product: Credit card or prepaid card

I was pitched the JetBlue credit card on a flight recently and was told the XXXX bonus miles offer was the best that JetBlue ever offered. I assumed that was true, and so I applied for the card. Now, barely one week after having the card, I see on jetblue.com that if I apply through their website that they are offering XXXX bonus miles for the card that I just applied for. It seems the marketing pitch on board was misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 times with Experian, a bankruptcy on my credit report. They have both times dismissed my complaint stating it was " verified '' through XXXX XXXX. My information was suppressed through XXXX as of XX/XX/2018 a year before this suppression request ( I have an email to prove it ) and also I have spoken with the Bankruptcy court who stated that they do not deal with credit reporting agencies and have not spoken to anyone there to " confirm '' an bankruptcy that is showing up on my public record. XXXX  and XXXX have already removed this public record and as of 2 investigations, Experian has failed to remove the public record as required by law. I think someone from that company is committing fraud. I have documentation to support all of my claims and can send it upon request.
Product: Mortgage

to whom it may concern, i previously submitted a complaint directly with PHH mortgage so far no one has responded instead they still when ahead a placed an auction on my property. They know my loan is a bad loan I've been attempting to make payment towards my past due and so far nothing has worked. Each time i submit an application its a direct denial. That just tells me that no one is taking into consideration my file. I deserve a fair review and the opportunity to keep my house. I also demand for the auction to be postponed.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received in my credit report an account that appears in collection with an opening date of XX/XX/XXXX. under the name of XXXX XXXX XXXX. 

I have never made an account with this company, so I kindly ask that this account be removed from my credit report. 

I am attaching a copy of the credit report where I demand that all the investigations be made and that all the laws imposed by the FCRA be complied with where the complete information of said account is shown which I do not have an account with XXXX. 

In the credit report, as you can see, neither the date of opening of that account, nor the payment history of this account appears. So I request that all the investigation be carried out and once completed, all the documentation is sent to me to verify said account since the account that appears in my report does not belong to me, much less I make any account opening in XXXX nor do I have a payment history.
Product: Checking or savings account

BANK OF AMERICA FRAUD CLAIMS RE : Claim XXXX {$1000.00} claim amount /checking account XXXX I placed this claim on XX/XX/XXXX. I informed the agent assisting me that I was a victim of ID theft and that this appeared to be part of it as well. I did not authorize or make these charges listed above. She instructed me we needed to cancel my debit card and put them in as fraud. She stated it would take 3-4 business days for the temp credit to appear. That never happened. Today I am told that its awaiting final resolution and could take up to XX/XX/XXXX for a perm credit to appear. 
I did not authorize these charges. They are fraud. I DO NOT HAVE A XXXX XXXX ACCOUNT. I HAVE NEVER USED A XXXX XXXX ACCOUNT. I DO NOT HAVE A XXXX account whatever that charge was for XXXX as well. Also, in my claim. So, sending me a email stating that XXXX XXXX has a XXXX XXXX and this was transferred to his account does not prove anything. That account at XXXX XXXX was fraud. That is why there is a police report. That is why my credit file is now locked down. 
I will be reporting this to FDIC, CFPB, XXXX  upon sending this to you now. I am beyond furious at your lack of transparency, concern for a 21 YEAR CUSTOMER! I want this reopened, and I want my refund of these illegal charges. 
I have been a loyal B of A customer since XXXX that has to account for something with your bank. I am asking to please issue a temp credit until you have completed your investigation. I am attaching the FTC, and Police Report for my file. If you need anything further, affidavit etc. please reach out.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report today again, I saw some inaccurate information in my credit report. I wrote several letters already requesting you remove these inaccurate information from my credit report. I dont know why you are ignoring my request. Please DELETE them ASAP!!! 
My ONLY NAME is : XXXX XXXX XXXX XXXX XXXX ADDRESS should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, GA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ, XXXX, XXXX XXXX, XXXX, NC, XXXX
Product: Mortgage

I started a deferment on a mortgage with XXXX XXXX in XXXX of XXXX. I have been furloughed from my job from the beginning of the pandemic until XXXX of XXXX. The accepted the deferment. Once I was ready to get off the deferment I was approve for a modification of payment with the company because I had a VA loan. The moment I completed my 3 payments of XXXX the sold my loan to Midland Mortgage and the problems began. I filled out documents because they said I need to resubmit everything in XXXX of XXXX. In that month they have me denied by the VA to modify my loan. They say I must be current. They say on XX/XX/XXXX midland mortgage says no worries we have all the documents to resubmit your paperwork. They dont. I call back on the XXXX of XXXX. Nobody resubmits. Midland mortgage expresses dont worry we will resubmit, they give me I dont know what happened. I pay XXXX, XXXX and XXXX! And then the say they need to stop taking my payments because they started the foreclosure. I get a letter from the attorney saying you have 10 days to pay XXXX. Midland mortgage can not supply with with record that they resubmitted my request the additional 2 times that they said they would. My credit score is to the point where I can not get a loan for the money nor do I have enough time to apply for assistance. The reviews for Midland Mortgage are mostly just like my complaint.
Product: Debt collection

XXXX XXXX XXXX made a hardship payday loan XXXX but original amount was XXXX At least give me a chance to pay! I have been having hardship and struggling with Life itself! They harass me constantly, calling my job, my cellphone daily all hours
Product: Debt collection

Sent verification letter to Deville Asset Managment on XX/XX/2019, never recieved verification on Debt. Wrote original creditor XXXX XXXX and the sent letter back saying they had no information on me.
Product: Checking or savings account

On XX/XX/2024, I used my debit card to purchase an cell phone plan from XXXX XXXX. 
On XX/XX/2024, I returned the phone ( free ) and cancelled the plan because the service was not activated properly. I could not receive calls or text messages. 
XXXX XXXX issued a partial refund for {$10.00} ( for XXXX XXXX ) and said the Corporate Office would issue the remaining refund and to reach out to customer service. The refund was seperated because the store claim the remaining amount were fees ( set up fee, activation fee, XXXX month of service fee ). 

When I contacted customer service they stated that was incorrect and that the refund should have been issued at the store so I disputed the transaction with Chase Bank. They are responsible for safe guarding transactions. The phone was returned and service cancelled immediately, yet Chase reversed my dispute in error and I am requesting the amount Chase released from my account to be returned because I am not in possession of goods and did NOT receive services.
Product: Mortgage

I have an existing loan serviced by XXXX XXXX XXXX. I received a pay off demand with an Other Fees * {$16000.00} on the demand. The detail said included an attachment A with no explanation of this charge I never agreed to, or authorized. When I called XXXX XXXX XXXXXXXX they said it would take 3 weeks for any response. Now I am frozen to complete my current refinance which has a rate lock expiring. I am left with no recourse and no help from XXXX XXXX XXXX. This will cause me financial peril and I am seeking help from the cfpb to force my mortgage servicer to respond and/or remove this illegal charge. 

- I have never been late on a mortgage payment. 
- I have perfect XXXX fico score credit. 
- I have never agreed to any pre payment penalty which is illegal. 

Thank you for your help in this urgent matter. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Today XX/XX/year> I received a call from a company called National Enterprise stating that my account with XXXX is pending legal action if I did not pay them {$5000.00} today. The operators name was XXXX. He stated if I did not pay the company upstart will sue me for the money. I am already in a debt consolidation program and when I tried to explain that. XXXX stated that my program hadnt reached out to them. That is not true because they just brought me an offer a month ago. National Enterprise tried to scam me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

On XXXX of this year my wife wanted to under go in XXXX but when my credit was ran to get her a good medical clinic my credit score was too low to cover anything I wonder why after my wife deceased lack of the medication I investigated and went to the police they asked to gt a copy of my credit report I did and found out that two accounts caused my hardship XXXX XXXX XXXX XXXX so I requested the creditor to what they can help me both creditors told me file a dispute with the credit agencies it is today and no answer solution nothing people can be so heartless
Product: Checking or savings account

My name is XXXX XXXX I have been with Bank of America for XXXX years now and the amount of times I contact y'all regarding them is crazy they are people that not paying attention to facts or just don't care about there customer accounts because what I don't understand is why my blocked card that was lost/stolen has a charge from a rental agency that I have not done business with since XXXX and used a different card to make that rental and has been cleared out so on XX/XX/XXXX I was charged XXXX to a card that was closes on XX/XX/XXXX, due to me losing my card after relocation from Florida, I contact Bank of America let them know that I have not used my card for any rental come to find out its the card ending XXXX that i closed back in XXXX that had fraud charges on it thats the card that was charged, they tried to charge me XXXX separate times on XX/XX/XXXX they tried to charge XXXX on XX/XX/XXXX on the card ending in XXXX that decline, then the XXXX that the charge that went through on XX/XX/XXXX then the next day XX/XX/XXXX they tried to charge me XXXX but that declined so my question is how did that XXXX go through if it decline the other 2 times they tried to get in, I was also told that rental cars and hotel have the right to go into a card after your rental has being either returned or your stay with the hotel is over if u owe them they go in on a closed card that and charge you so I contact the merchant they tell me that they did not charge they can not find anything was owed to them so XXXX not understanding why when I open my claim XXXX on XX/XX/XXXX I can't for life of me understand what research was really done because as the agent and I talked about that I don't spend that much with my car rentals I only spend XXXX and less than that with my car rentals so Im confused about my monthly statements and it says that it was made by me or someone that authorized but again my next question is I called bank of America blocked my card because I saw XXXX XXXX charges and other chargers with my other banks that I filed claims on because all my cards was lost so my chase business card my bank of America business and XXXX XXXX card was all gone, all lost so if Im confused that I authorized something if my contract with them has been closed and was used with whole different card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

I have had to credit cards opened up in my name. Target and XXXX XXXX XXXX. Both have been cancelled.
Product: Debt collection

On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Equifax to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon as possible : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call XXXX XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from transunion hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$46000.00} ; XXXX XXXX XXXX XXXX : {$3400.00}
Product: Debt collection

Nothing happened they still asking for money I don't owe to them.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Bank XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # Stretch Zone of XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX of XXXX Account # XXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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

XXXX, XXXX and Experian are all currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the U.S. Bankruptcy Court for the XXXX XXXX XXXX Michigan, which is false. 

I have attached a letter from this court verifying and stating they do not report individual bankruptcy case filing data to credit bureaus, nor do they update information directly to the credit bureaus. 

XXXX, XXXX and Experian are each falsely stating this bankruptcy on my credit report and has et to remove it from my credit report.
Product: Mortgage

In XXXX of XXXX we opened a XXXX  with XXXX Bank in XXXX, XXXX XXXX Bank was subsequently bought by XXXX Bank , which was subsequently bought by XXXX XXXX XXXX XXXX , and then in XXXX of XXXX, by M & T Bank which assumed the XXXX. On XX/XX/XXXX, after having had a XXXX balance on the XXXX  for about XXXX  years and prior to the sale of our house, we went in person to M & T Bank and closed the account, paying a {$180.00} fee to close the XXXX. On XX/XX/XXXX, we were victims of an internet fraud at which time our savings account was robbed of {$8000.00} by a wire transfer and our closed XXXX  was accessed and charged {$10000.00}. It should not have been possible for the XXXX  to have been accessed since it had been closed by us in person at XXXX M & T Bank XXXX in XXXXXXXX XXXX some XXXX weeks prior to the crime occurring. Yet M & T Bank held us liable to the debt and we had to pay them {$10000.00} at the closing on our house after it was sold.