23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this bill from the beginning, This account is over 3 years old. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXX for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. The rep then told me she's not sure what the charges are. This was originally placed with XXXX XXXX collections and then XXXX and they both returned it to XXXX and XXXX and now Enhanced Recovery has ruined my credit by reporting this debit as NEW on my credit report. This is fraudulent information. This debt was reported to my credit report BEFORE I received anything from them.
Product: Credit card

I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.
Product: Debt collection

This company has been harassing me and my relatives about a debt that I can not verify from 2006. They claim to have sent 40 letters to me, but I have not received anything. Now they claim that the only course of action is that I pay by the end of the month or face legal action. Additionally, they have made harassing phone calls to my family about said legal actions. They are also claiming to be a third party to the actual debt collector who they will not name other than " their client ''. Finally, they also threatened to have my wages garnished by the IRS.
Product: Checking or savings account

In XXXX Bank of America closed my account for no apparent reason. I have tried to get this issue fixed through numerous trips to financial centers and calling over the phone and each time i get a different answer. I have never had any negative business with Bank of America. I have held XXXX credit cards and my mortgage is currently with them. This is absolutely ridiculous. I recently attempted to open an account online to become apart of the preferred rewards program to use some of the perks when it is time for me to purchase a new home in XXXX. I got a message that i needed to go into a branch and present my ID. I did this and banker says she can not help me and that i need to call some phone number which starts the whole ferris wheel over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$350.00} ; XXXX  XXXX  XXXX Balance {$550.00} ; Original Creditor : XXXX  XXXX Balance {$0.00} ; Original : XXXX Balance : {$140.00} ; Original : XXXX Balance : {$120.00} ; Original : XXXX Balance : {$470.00} ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX ; XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

My Equifax XXXXXXXX XXXX profile page is mixed with another person who shares the same first name with me. As a result, I have wrong last name, wrong phone numbers, wrong mortgage, and wrong credit cards shown under my name on Equifax system. 

I have posted my complaints via their customer service phone line for the first time on XXXX, and they said they will resolve it but nothing happened nor has been corrected after promised date. After it, I have called multiple times to ask them fixing my profile issues, every time they said they will expedite this issue but I checked my profile page and nothing has changed after ten days.
Product: Credit reporting or other personal consumer reports

I have accounts that were marked inaccurate and old outdated accounts/ closed account still listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX XXXX XXXX
Product: Checking or savings account

We want to reopen case number XXXX. It's been 14 days since the letter from U.S. Bank sent dated XX/XX/23 and yet to date, we have yet to receive the check. On XX/XX/23, we went to the XXXX XXXX branch and had a long conversation with a young XXXX teller regarding the fraudulent activity on our acccount and about closing it and getting a check issued to us. He guaranteed that within 10 to 15 days, we would receive the check. Here we are 3 months later and AGAIN we had to do this all over again and AGAIN no check has been received. THIS IS UNBELIEVABLE AND SIMPLY INTOLERABLE, We need to pay bills that are long overdue. What is going on? How much longer will this take. WE'VE BEEN WAITING 3 MONTHS ALREADY since our original conversation with the branch 's employee.
Product: Credit reporting or other personal consumer reports

XXXX XXXX BANK SS XXXX XXXX : : XXXX Date of FRAUD : XX/XX/year> {$10000.00} I have disputed this account for XXXX years and EXPERIAN has not and will not remove this account, even with all my documentation verifying that I am an victim of identity theft, I have enclosed, FTC IDENTITY THEFT REPORT & POLICE REPORT. I am filing this complaint in hopes of the removal and blocking from my credit file. 

I demand a copy of information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account. I also demand the categories of identifying information that the unauthorized person used to complete the application or to open the account. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice XXXX XXXX XXXX XXXX, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that the information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I was a victim of Identify theft via a SIM swap scam with my mobil phone carrier. I notified Bank of America before the fraud even happened that I was a victim and to lock my account. They failed to do that and did not protect my account. 
The thieves accessed my bank account with Bank of America and processed to send {$1400.00} via XXXX to a account that they fraudulently opened in my name with XXXX. 
I have put in a fraud claim with Bank of America three times, they continue to deny the claim even tho I have provided every possible proof that I am a victim of fraud. 
I made a police report, reported to FTC, put fraud alerts on my credit reports and resolved my fraud issues with all others financial services.
Product: Credit card

I initiated a balance transfer to a Bank of America account in XXXX, and XXXX this year. Separate transactions of $ XXXX, and $ XXXX respectively, The target account did not exist in their system despite me having a physical card in my possession. Bank of America rerouted this to a different account that I never authorized, and transferred the money out anyway. 

This caused a series of failures on their side and triggered incorrect reporting of my payment status to creditors once we tried to correct the error. 

I have spoken to them several times over the course of 6 months and was able to successfully restore part of the issues Ive had. It is the last resolution of the final unauthorized transfer that is not complete, and I was told that the bank will not do anything to correct the situation.
Product: Checking or savings account

I received a check from a sugar daddy for XXXX dollars around that amount. And the check wasnt fraudulent cause it cleared and my chase bank made the funds available. Not even a week or 2 went by and XXXX was missing from my account through their quick pay service which I didnt approve or have knowledge of until I had logged onto my mobile banking app for chase which means my account was compromised I called them as soon as it had been brought to my attention put a claim in and waited a few days to check on my claim XX/XX/2019 I called and they told me my account was restricted and they were cutting ties with me but Id receive my temporary credit XX/XX/XXXX which I was okay with. XX/XX/2019 I receive another notification from my online banking which Im not allowed into stating my account was overdrawn for {$1400.00} which shouldnt be possible if my account was restricted meaning my account is still being compromised till this day and now Im being told my {$350.00} wont be given to me and my account will overdrawn and - {$1400.00} which is unethical I want my account back to its {$00.00} standing and my XXXX refunded to me. Also cant attach documents cause they wont let me in mobile account which is still being compromised
Product: Mortgage

The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer.

In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct.

Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request.

I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding several fraudulent accounts appearing on my credit report. These accounts were not opened or authorized by me, and I believe they may be the result of identity theft or an error. I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter.

Below are the details of the accounts in question : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$520.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$2500.00} Status : Charged off as bad debt Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$2500.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Status : Charge-off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$410.00} Status : Unpaid Date Opened : XX/XX/XXXX I have contacted the credit bureaus and the creditors to dispute these accounts, but the matter remains unresolved. I am seeking CFPB 's intervention to ensure these accounts are thoroughly investigated, verified, and removed from my credit report if they can not be substantiated.

These fraudulent accounts have negatively impacted my credit and caused undue stress. I kindly request your assistance in holding the creditors and credit reporting agencies accountable for adhering to the Fair Credit Reporting Act ( FCRA ) and ensuring that my credit report accurately reflects my financial history.

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under XXXX XXXX XXXX et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud accounts XXXX XXXX XXXX XXXX XXXX XXXX that are not related to me what XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Also the XXXX addrese never lived there XXXX 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 and finally these inquirires that I have not requested any service with these creditors on the dates mentioned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone opened a credit card in my name with XXXX XXXX XXXX for the XXXX XXXX XXXX and charged {$220.00} in my name. I notified the bank of the problem on XX/XX/XXXX when I became aware of the fraud as the card was sent to my home. I completed the investigation report and returned it to the bank on XX/XX/XXXX. I have been trying since XX/XX/XXXX to place a fraud alert on my credit report with Experian and file a dispute based on identity theft but they have refused to respond to my attempts to contact them on their website or by phone. I called the " special identity theft fraud number '' XXXX but it will not allow me to file a dispute and no one has responded to my messages on their special alert hotline number. I had no issues notifying XXXX or XXXX   and have received confirmation that a fraud alert has been placed on my account and they have acknowledged my dispute. XXXX  has been responsive in investigating the identity theft, only Experian has refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX and there is XXXX inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.
Product: Credit card or prepaid card

The USAA FSB denied me a reasonable investigation of my dispute of an XXXX charge of {$110.00}. They claimed in their response that they did not receive my written statement. Indeed I wrote a statement on XXXX XX/XX/2020 and attempted to upload it via USAA websites Upload Documents feature. I am attaching my written statement submitted to USAA on XX/XX/2020 to this complaint. It is my understanding the upload of my written statement to USAA on XX/XX/2020 was successful. 
The USAA in its response did not describe the circumstances of my dispute correctly and in sufficient detail. The USAA did not describe the cancellation of my original ticket by XXXX and the fact that I had to pay additional {$110.00} to book a new ticket under duress. I was in XXXX XXXX and my original ticket was cancelled without my consent. The CFPB and USAA FSB must understand that this is an unlawful and unfair practice. 
I request that my complaint be reviewed by CFPB and USAA be sanctioned for the lack of a reasonable and fair investigation of my dispute v. XXXX charge of {$110.00} which was made under duress. 
I also wrote complaints to USAA XXXX XXXX XXXX to which the USAA did not respond. If they did not receive my written statement through the upload feature of their website, they could have specifically let me know in a timely fashion. Now months later after I uploaded my written statement and supporting documentation it appears that the USAA does acknowledge receipt of other documents I submitted. One of them was a notice of cancellation of my original tickets. 
I request the USAA be investigated and sanctioned for its conduct. 
I request a review of my complaint by a CFPB supervisor. 
The USAA now says that I used the ticket but they fail yo say that it was not the original ticket that was used and that I was forced to pay {$110.00} under duress to book a new ticket.
Product: Debt collection

On XX/XX/2023 L J ROSS ASSOCIATES, placed a sent collection on my credit report without my written consent. The collection showed I owe the company {$220.00} for a service I never requested or signed any contract stating I would pay this amount. 
Based on federal law : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.
Product: Credit card or prepaid card

I sent a check in for {$2200.00} to Avant ( the credit card company ) approximately XX/XX/XXXX. My bank confirmed that the credit card company endorsed and cashed the check on XX/XX/XXXX, and provided me evidence of such. As of today, XX/XX/XXXX, this amount has not been applied to my balance. I have contacted Avant many times via phone and email, and they " escalated '' my problem on XX/XX/XXXX. They have not responded with an update, an explanation, or anything at all, and have not applied the amount to the balance.
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/23, I received a text message at XXXX XXXX from Chase asking if I had made purchases at a XXXX and XXXX XXXX in XXXX, TX using my debit card. I had not as I reside in NY, and replied " No '' to the text message. I immediately received a call from someone claiming to be XXXX XXXX from Chase. During this call, he walked me through the fraudulent charges, and then mentioned a wire transfer for {$19000.00} to a XXXX XXXX account. I told him it was not me who initiated this. 
After this call, I received a fraud notification text message from XXXX noting the {$19000.00} wire transfer to a XXXX XXXX account. {$15000.00} was moved from my Chase savings account to my Chase checking account, then a {$19000.00} wire transfer was made to the XXXX XXXX account. I immediately called the Chase fraud department to report the wire transfer. They took all of the information about the previous text message and call and filed a claim. 
On XXXX  XX/XX/23, I went into a Chase branch at XXXX to discuss the fraud with a XXXX XXXX XXXX. I met with XXXX XXXX of the XXXX XXXX XXXX XXXX, XXXX XXXX, NY branch. He helped change both my checking and savings account numbers and confirmed the fraud claim. He recommended filing a police report, which I did that same evening at the XXXX XXXX Police Department 's First Precinct. 
On XXXX  XX/XX/23, I received a letter to my Chase account denying the fraud claim. The message read " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''