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

I have a checking account with Bank of America ( preferred member ). On Friday XX/XX/XXXX I received an email that my balance was low. I checked my bank account and found there was an unauthorized transfer of more than {$39000.00} out of my account to an unknown account. I called the bank immediately and asked them to stop it ( it was shown as " processing '' at the time. They told me the money would be back in my account that evening. The next morning, I saw that not only the money wasn't back but the transaction had cleared. I called again that morning ( Saturday, XX/XX/XXXX ) and they told me that a form needed to be completed to file a complaint. They said it would show up within 24 hours. The next morning, Sunday, XX/XX/XXXX, I check again and no form. I call the bank again, and they said it takes more than 24 hours because it is the weekend. I called again on Monday morning because there was no form. Again, they tell me it will take 24 hours. The money finally appeared back into my account on Tuesday, XX/XX/XXXX. 
However, my account is now locked and there is nothing I can not have access to it through the online system. I have been calling to try to transfer the money to a new account but they put me on hold for long periods of time, with no option for call back. I have called twice today, was put on hold for around 30 min each time ( with the same annoying message playing constantly ) and had to hang up both times because of work obligations.

I find that the response of the bank is unacceptable. This is serious crime that is affecting my ability to pay bills etc., and they are not taking it seriously. It is maddening that I can not contact anyone to get access to my money. They are extremely slow to respond, and my impression is they are not taking this seriously or doing much about it. Furthermore, I have no information from the bank regarding what happened, how was my account compromised, and how to protect myself. When I asked during one of the calls I was told that anyone with my account number can take money out of my account. I can not believe this is true, otherwise this would happen very often ( credit card fraud happens frequently, but I have never heard of anything like what is happening to me ). 
I have tried to contact the bank in many different ways ( XXXX, on-line help, calls ) and I get nothing from them. 
I would much appreciate a response to this and whether I can pursue action legally.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Debt collection

First Point Collections has been harrassing me for years about medical bills that were COVERED BY MY INSURANCE!!! I used to have this conversation with them often, until I eventually got tired of saying the same thing over and over again. All of my medical bills with this company have been paid through my insurance company. At one time it was XXXX XXXX XXXX, and the other it was XXXX XXXX XXXX XXXX. I have never NOT had coverage, and I know that these are covered expenses, as they have told me they were " lab fees '' These accounts should be removed from my credit report unless they can provide proof that the services were not paid.
Product: Credit reporting or other personal consumer reports

BANKRIPTCY XXXX XXXX  DID NOT VERIFY ACCURATE ACCOUNT XX/XX/XXXX FILED DISPUTED XX/XX/XXXX XX/XX/XXXX XXXX ... XX/XX/XXXX ... XXXX INQUIRES XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am penning this letter to formally bring to your notice an inaccuracy that has come to my attention in the 'PAYMENT HISTORY ' segment of my credit report. The anomaly pertains to a charged-off accounts detailed below : XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} On scrutinizing my credit report, it has come to my attention that these accounts continues to display a monthly payment history. This is erroneous, given that the account has been charged off and, consequently, should not manifest an ongoing payment record. Such misrepresentation infringes upon the Fair Credit Reporting Act ( FCRA ), potentially jeopardizing the statute of limitations related to the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is not a request for reinvestigation of disputed accounts, but request for evidence under the Fair Credit Reporting Act, Section 609. As per Fair Credit Reporting Act, Section 609 I have the right to request information from credit bureau regarding items that are listed on my consumer credit report : 1. XXXX XXXX XXXX account # XXXX 2. XXXX XXXX XXXX account XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, but have not received any response from the credit bureau XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent account from my consumer credit report. This account, are a result of identity theft and fraud that occurred during my period of trafficking. Per FCRA, I expect TransUnion to take action within four business days of receiving this complaint. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2024 To support my claim, I have attached the following documentation, which I have previously submitted to other credit bureaus, resulting in the successful removal of this fraudulent account : * FCRA Section 605C Self-Attestation Form ( ON FILE ) * Notarized FTC Identity Theft Criminal Complaint # XXXX
Product: Checking or savings account

Reached out to bank of America regarding unauthorized transactions in the amounts below and they denied my claim. 

XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} XXXX XXXX XXXX : {$820.00} XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint as well as requesting the removal of the unverified account XXXX XXXX XXXX XXXX that has adversely affected my creditworthiness and overall well-being. Equifax, XXXX XXXX all XXXX bureaus violated my rights under FCRA Sections 1681e ( a ), 1681i, 1681s-2 ( a ) Reporting inaccurate derogatory status ( " Derogatory '' ), charging off as bad debt despite discrepancies in reporting ( " Charged off as bad debt '' ), inaccurately indicating a profit and loss write-off ( " Profit and loss write-off '' ), providing incorrect payment amount ( " {$0.00} '' ), and presenting misleading payment history.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX
Product: Debt collection

National Recovery had refused to send me verification on the debt from the original creditor as stated by FCRA requirements. I called and requested an invoice for the amount. The representative also stated that doing so violates company policy. In response, I had my attorney send a formal letter with the same request to which they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and y'all are required by law to do so. Please investigate my disputes. Please. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

GO AND LOOK AT THIS COMPLAINT NUMBER : XXXX XXXX JUST CLOSED OUT THE CASE WITHOUT A PROPER INVESTIGATION BECAUSE THE REDICULOUS TEMPLATE REPSONSE THEY USED HAD NOTHING TO DO WITH THE FACT THEY ARE REPORTING UNLAWFUL FALSE INFORMATION TO A U.S. GOVERNMENT WEBSITE AND NOW XXXX IS DOING IT TOO. 

EVERYONE IS MAKING A MOCKERY OUT OF THIS CFPB BECAUSE YOU ARE NOT DOING ANYTING FOR THE LITTLE GUY, WE ARE STRUGGLING HERE FIGHTING FOR OUR RIGHTS AND THE CREDIT BUREAUS KEEP VIOLATING OUR RIGHTS AND WE COMPLAIN AND NOTHING IS DONE! 

I AM RESUBMITTING THE COMPLAINT AND WILL NOW FOREVER UNTIL THE COMPLAINT IS ANSWERED TO ONCE AND FOR ALL TO THE COMPLAINT ITSELF NOT RAMBLING ON ABOUT SOMETHING ELSE THAT IS NOT EVEN A PART OF THE COMPLAINT. 


DiscoverCard is falsifying documents to the Consumer Finance Protection Board, violating federal law. Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States Attorneys office tomorrow. They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. These asholes at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. I demand an investigation and I demand for a response to these allegations. Im not gon na let this go punk boy up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. You broke the law and justice will be served. Wait for it
Product: Mortgage

INTRODUCTION On XXXX 2014 BORROWER applied and received a new real estate loan in the amount of {$300000.00}, from BANK OF AMERICA ( LENDER ). BORROWER was over charged by the LENDER in the amount of {$1100.00} for discount points for the specific interest rate chosen. The LENDER misrepresented the Good Faith Estimate ( GFE ) on the final XXXX statement. 

GOOD FAITH ESTIMATE ( GFE ) On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Interest Rate Conditions. See Exhibit XXXX attached hereto. The interest rate and the discount points were locked in at an interest rate of 4.625 % and a credit XXXX % or $ XXXX. 

On or about XXXX XXXX, 2014, BORROWER received from the LENDER an Estimated Settlement Charge Summary. See Exhibit XXXX attached hereto. The Estimated Settlement Charge Summary also confirms the credit points in the amount of $ XXXX. 

SETTLEMENT STATEMENT ( XXXX ) BORROWER received a misstated XXXX settlement statement. See Exhibit XXXX attached hereto. 

LENDER IS ACCOUNTABLE FOR THEIR QUOTES LENDER is accountable for their quotes in a real estate transaction. The XXXX is a standardized document that list every expense involved in the real estate transaction and is presented to the borrower during the closing process. BORROWER was quoted in the GFE $ XXXX XXXX XXXX % of {$300000.00} ) discount points. 

LENDER wrongfully stated the amount in the settlement statement on page XXXX, comparison of GFE and XXXX. The XXXX line number # XXXX should be - {$3600.00} and not - {$2500.00}. See Exhibit XXXX attached hereto. 

0 % TOLERANCE If at the closing, any item in the 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. 
Charges that can not increase are : Origination charge # XXXX Credit or charge ( points ) for the specific interest rate chosen # XXXX Adjusted origination charges # XXXX Transfer taxes # XXXX It is clear that the LENDER over charged BORROWER by {$1100.00} by misstating the GFE and the XXXX with - {$2500.00} when the GFE clearing shows the amount should be - {$3600.00}. 

CONCLUSION If at closing, any item in 0 % tolerance category is higher on the corresponding section of the XXXX compared to the original GFE, the LENDER is responsible to cover the difference. In this case the difference from - {$3600.00} and - {$2500.00} is {$1100.00}. 

In the event a LENDER misses XXXX of the tolerances in the GFE, the LENDER is responsible to pay the difference. If the tolerances were missed, the settlement can proceed, and the LENDER has 30 days to compensate the BORROWER for the missed tolerance. The LENDER has had over 30 days to compensate the BORROWER in the amount of {$1100.00} and continues to refuse to pay the difference. 

For at least these foregoing reasons, LENDER should pay BORROWER {$1100.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently pulled my credit report, I noticed this account ending in XXXX which does not belong to me. Please delete off of my credit record.
Product: Checking or savings account

XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$140.00}. Also, XXXX XXXX XXXX debited my account on XX/XX/XXXX for the amount of {$85.00}. These are both unauthorized transactions. I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to each lender on XX/XX/XXXX. 

I called Bank of America 's dispute phone number at ( XXXX ) XXXX. Each Customer Service Representative that I spoke with denied my request to dispute the transactions on my debit card. Each CSR insisted that I contact the merchant first. The thing is I've already tried contacting the merchant. 

According to the CFPB, QUESTION 7 : If a consumer provides notice to a financial institution about an unauthorized electronic fund transfer ( EFT ), can the financial institution require that the consumer first contact the merchant about the potential unauthorized EFT before the financial institution initiates its error resolution investigation? 
ANSWER ( XXXX XX/XX/XXXX ) : No. A financial institution must begin its investigation promptly upon receipt of an oral or written notice of error and may not delay initiating or completing an investigation pending receipt of information from the consumer. See Comments 11 ( b ) ( 1 ) -2 and 11 ( c ) -2. For example, in XXXX XXXX, the Bureau found that the practice of requiring a consumer to contact the merchant before initiating an error resolution investigation was a violation of Regulation EXXXX Similarly, the Fall XXXX edition of Supervisory Highlights discussed instances where examiners found that one or more financial institutions had instructed consumers to contact the merchant instead of promptly initiating an error investigation.
Product: Debt collection

EVERYTIME, I DISPUTE THE ALEGED ACCOUNT WITH MIDLAND FUNDING, THE AMOUNT CHANGES {$1.00} INCREASE THEN A COUPLE DAYS LATER {$1.00} DECREASE AND IT EFFECTS MY CREDIT SCORE AS IF I MISSED A PAYMENT. I'VE DONE RESEARCH ON THE COMPANY AND THEY HAVE MANY COMPLAINTS OF UNFAIR PRACTICES AND LAWSUITS REGAURDING THEIR COLLECTION ATTEMPTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX opened on XX/XX/2018 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and equifax are reporting tax liens, judgements, and public records on my account,. They are not doing proper Investigation because they are paid by the creditor to report items that are not supposed to be in there. Everytime I try to dispute with the credit bureaus the representatives are always nast, and rude., my only option is to report it to the consumer financial protection bureau so they can enforce the rules, regulations, an laws to these bureaus so that they can stop purposely trying to block the consumer from mortgages, loans, and credit the consumer deserves, the credit bureaus are reporting XXXX XXXX and XXXX XXXX XXXX XXXX liens, they are violating the FCRA by reporting tax lien, judgements a, and public records,. They still put a judgement on my credit report by XXXX XXXX XXXX XXXX which keeps disguising an eviction judgement as a collection loan,. I have attached the judgement case number and court te judgement was filed, hopefully this time the consumer financial protection bureau can enforce the credit bureaus to remove this judgement, and XXXX tax liens totaling {$34.00}, XXXX. these liens need to be removed. Also equifax keeps reporting closed accounts negatively, and keeping negative items on my credit report more than XXXX yrs, and reporting positive accounts negatively, they also have an old child support account on my credit they will not remove even after XXXX yrs of credit reporting
Product: Credit reporting or other personal consumer reports

I am writing regarding on my previous requests regarding the removal of inaccurate inquiries from my credit report. I am increasingly frustrated by the lack of resolution and the continued presence of these inaccuracies. 

The persistence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. Kindly remove these inquiries and send me an updated copy of my credit report at the address listed above. 

If your investigation determines the inquiries are authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Kindly remove these following inquiries listed below : 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: Checking or savings account

In XXXX I had a fraud charge of {$7000.00} from a rental car. I disputed and fund were returned. First of XXXX the frauds submitted charge again as an electronic check. The bank then changed the transaction to a claim adjustment. And took my money. They used a credit card not active and hasnt been active in over a year it was report lost/stolen in XXXX. Also I have. {$5000.00} daily transaction amount and I have an overdraft protected account. The charge should have been denied and returned. Regions still had the charge active. I have spent over XXXX hours trying on phone or in the bank. The bankers at each location was shocked at how the charge was cleared. They didnt even run the card card was not present. Also if renting a car a pressurized amount should have been held. There was no amount. The banker in XXXX XXXX location said the merchant account was not even and XXXX account. To make thing worse this past XXXX  {$200.00} just disappeared from my savings. There is no transaction log or record but u ca. see daily balance how money just disappeared. 

I have done everything and every call or person I talk to will put me on hold for over an hour. The last conversation I had was with a rep in Alabama named XXXX who was working to get this resolved and she left me on hold over over XXXX mi XXXX with no return communication. This situation is holding up my personal finances to where I cant pay bills or even buy food. I get no assistance but I am now being held liable for a fraud charge thats isnt mine from a debit card that isnt even an active card on my account. How can a business large as Regions be allowed to operate while allowing its employees to illegally access and used a customers account. I know if the protection agency would following this case Regions would be found liable. XXXX now if I go to use the actual active debit card for that account my charge is denied yet alone as able to charge over {$7000.00} on XXXX charge and regions is trying to make me responsible for this money. Its insane to allow business or corporations to take advantage of customers and allow no supervision over its employees who are aiding in the fraud. Something must be done