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

I went to XXXX on XX/XX/2018 to have XXXX. Sometime during my XXXX stay my phone and debit card were stolen. My phone was clearly not locked and someone took over {$1300.00} from my account while I was recovering in XXXX. As soon as I realized my debit card and phone were gone, I traveled to XXXX XXXX California when I had the energy to which was just a couple days later. I acquired a phone and immediately informed Bank Of America about what had happened. After I got to my hotel in XXXX XXXX, I logged into my account. I saw a bunch of transactions including some that werent approved/didnt go through. My plan was to be in XXXX for two weeks, this completely ruined our trip, and I was in so much pain on top of it. A day after I submitted my claim to Bank Of America, they put the funds back in. 

I thought everything had been taken care of, but then they withdrew all of the money without notice to me about 30 days later which put me in more serious banking trouble because they did not inform me that was going to happen or give me a heads up. I calle them immediately, they said that they didnt believe it because whoever stole money never checked the balance and there should have been more transactions on my account at the time. When I logged in, there were a TON of transactions that were pending ( that first day I was able to log back on ). They are lying and wont give me my money back!! 

Since then I have called Bank Of America, faxed over proof of why I was in XXXX including XXXX papers protected by HIPAA. I have tried to get a police report here in XXXX XXXX where I live however they did XXXX due to the incident not happening in the city limits. Every time I call Bank Of America they say they have no information for me except that they have escalated my claim. But it is been over five months since this occurred, and I want my money back that was stolen. I have done my due diligence and Bank of America hasnt done anything except not cover someone stealing my money like they are supposed to, and put me more in the negative when they took my money back. I have been with Bank of America for a very long time, they have been a horrible Bank in this experience. Please help me.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5200.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

I was the named trustee and sole beneficiary of a trust account being held through Wells Fargo. I was never notified by Wells Fargo that the account was in existence - an account in which I was the named trustee and the sole beneficiary. Wells Fargo never notified me about the opening of the account, never sent me a monthly statement ( as required by federal law ) and never sought my permission to make trades and transfers ( as required by law ). Wells Fargo also violted the Know-Your-Client Federal Law by never meeting with me. 

In fact, Wells Fargo went out of its way to keep this account secret from me. 

When I learned of the account, totaly by accident some 20 years after Wells Fargo had secretly set-up this account, Wells Fargo then illegally transferred the funds out of the account into new accounts with secretive names. The broker at Wells Fargo bragged, while under oath and in a recorded interview, that I would never be able to track or retrieve the funds belonging to me.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries, they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

On XX/XX/year> I received an alert from XXXX XXXX reporting a hard hit to my credit from Barclays Bank Delware. I contacted Barclays customer service and they stated they do not show an application with my name or personal information. I requested Barclays add an alert in their system if anyone tries to apply again with my information. Barclays could not assist me further. XXXX will not dispute the error or remove it from my credit report without a report or a deletion letter from Barclays but they deny having an application.
Product: Credit card or prepaid card

have a card with capital one / bass pro shop the company claims they communicated restriction information on credit card then entered permanent restriction on credit use. we can no longer use the card and they wont review it. the communication they claim was sent to me was never received. furthermore, i am current on my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am filing a complaint against DiTech Mortgage Company/Greentree. XX/XX/2015, I returned home from a visit with family and my locks were changed to my home and a written notice stated that XXXX XXXX had performed this action, due the property being abandoned. I was paying my payments just one mo. behind and I had contacted the company and stated when I would make the payment, no one mentioned the action by the XXXX XXXX before they came out. When the company was contacted by me, I was told I needed to pay over {$2000.00}. to get current and no more action by the XXXX XXXX. After I made the payment, the XXXX XXXX. came back again in XXXX 2015, with notices stating winterizing my home. I contacted an Atty. who contacted DiTech by certified letter but Ditech failed to respond. DitTech charged me fees for the XXXX XXXX coming to my home, claiming that they did repairs. My mortgage payments increased. I do not receive payment statements. I call and pay the mortgage by phone. Ditech sends me advertisement for a modification loan and/or reverse mortgage. I am still paying but I am struggling to stay current. 
2.Desired Resolution : 1 ). Respond to my Atty., answering the questions addressed in the letter. 2 ) Do not send the XXXX XXXX to my home, again. 3 ) Send me monthly statements 4 ) Do not raise my payments for at least another year. 5 ) Take off the fees that I was falsely charged by the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry 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 Miscellaneous and public record XX/XX/2022. 

The only thing that makes sense is some 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX. They ran a credit check & today I found out there were XXXX hard inquiries made on same day. XXXXXXXX XXXX XXXX XXXX who issued loan. 
Called & spoke with the new XXXX XXXX, XXXX XXXX who said he'd look into this but that a hard inquiry only negatively affects people when you don't make the purchase. I want the 2nd inquiry to be removed & Equifax w

ill not until Dealership removes it. I did not give permission for my credit score to be run twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Recovery In Account # XXXX, has violated my rights.

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: Debt collection

I bought a water heater from XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023 using my credit card. They installed the water heater on XX/XX/2023. The charge to my credit card was made on XX/XX/2023 for {$2900.00}, even though I had called, sent emails, and informed the company that I was using my credit card to pay for this and not a loan company on XX/XX/2023 and several times after this date. They did not send me a receipt for this transaction and they did not cancel the loan to XXXX, XXXX that I had paid the company for the water heater in full. I am now receiving collection notices from XXXX, XXXX, because they have not cancelled this loan debt, that I have paid in full. I need a response before XX/XX/XXXX. I do not understand why they have not sent a printed receipt showing that I paid for this water heater in full or a confirmation that they have cancelled the debt owed to XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this date, over 30 days later I have not received a response. I feel like I am being taken advantage of and being ignored with my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those inaccurate items from my credit report. It has been over 30 days, so they should be deleted immediately. I demand those accounts to be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

Hello, on XX/XX/XXXX complaint # XXXX I received this message ... XXXX XXXX has learned through this complaint that XXXX XXXX is not the correct consumer we are attempting to contact. As such, XXXX XXXX ' contact information has been removed from the account and she will no longer be contacted regarding this account. We apologize for any inconvenience caused through our communication efforts.

Now they're after me again and I filed another complaint # XXXX on XX/XX/XXXX.

Why are they after me again if it was proven that it wasn't mine and I received a check in the mail from a lawsuit that was filed against them from contacting people?
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
Product: Debt collection

On XX/XX/19 Phoenix Financial Services placed a collection on my XXXX credit report for {$1300.00}. This debt was previously expunged from my credit report ( XX/XX/19 ) due to another collection agency verifying the debt had been paid and the charge was fraudulent. I tried to call the number listed on my report and was hung up on by the rep
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the XXXX XXXX BREACH. PLEASE REFER TO THE XXXX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Texas XXXX kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting 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. 

Account Name XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello good morning, On XX/XX/XXXX I received a text from Chase bank fraud alert regarding a transaction of {$100.00}. Since I was at work I didnt see it until lunch. I checked my account and noticed 2 purchases. One for {$55.00} and the other {$52.00}. I immediately called chase bank and informed them that this was not me and I was currently at work. I submitted a claim and they informed me that they would investigate. On XX/XX/XXXX chase informed me that they would take back the temporary credit because they determined that the charges were correct. I told them how? Chase said that my physical card was used and the purchases were in my geo location. I kept fighting and telling them it wasnt me. They told me I needed to provide proof that I was at work. I submitted my paystub and the text message they sent me regarding the fraud. They denied it again stating that in my initial claim I told them I had the card in my possession which was a lie since I told them I didnt have the card and they issued me a new one. Now Im waiting for a manager review to listen to the call because I never said I had the card. I said that I didnt know I had lost it. Please if you can help me get back my money. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has used my personal information back XXXX and XXXX XXXX XXXX to open fraudulent accounts in my name i have filed a police report, a banker name XXXX had open several checking and savings accounts and a XXXX XXXX insurance services account and a credit card thats now on my Equifax credit report, XXXX XXXX open up checking savings accounts in XXXX aftet i came back ftom service and XXXX, i dealt with a claims rep name XXXX XXXX, he falsified information pertaining to accounts which was not settled by XXXX XXXX, these issues are coming from reps that have abused and try to intimidate over the phone, i have been going through mediation for over 5 years, and still mote accounts are out there, XXXX XXXX is trying to point thr finger back at me knowing they committed fraud and identity fraud, my information now is on the dark web because of XXXX XXXX, my credit is damaged my name is damaged, they need ro be investigated and i want them to settle, XXXX XXXX falsified information stating he settled accounts. Checking and savings that was open in XXXX and XXXX I was in the military, these accounts were never resolved and I did not sign any documentation stating I took settlement for any of those accounts. Now theres a fraudulent account on my Equifax credit file from account that was open in XXXX, credit card with a balance of XXXX dollars, this account is fraud, now XXXX XXXX needs to settle and resolve this before I file this law suite against XXXX XXXX. This information plus witnesses I have, plus XXXX and his manager have been recorded using abusive tactics, and intimidation, I will run a story on XXXX XXXX and this story and my evidence will be turn over to an investigative reporter, im Tire of the threats and these tactics, I want this resolve or I will see this in court I got enough to get for actual damages, I have documents showing accounts attempt to open other credit cards and now this credit card on my credit report and an insurance account open fraudulently by XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report that has not been updated, I have tryed to fix this the creditor stated they sent updated information to be updated and it has not, One account is a car loan with XXXX  XXXX XXXX XXXX with a balance of XXXX and that account has been paid in full and another account is my credit card showing a high balance that has not been updated with XXXX XXXX XXXX XXXX with a credit limit of XXXX but the balance is incorrect I would please like this up dated immediately Thanks
Product: Checking or savings account

Citizens Bank has adopted the highly questionable practice of creating what is labeled as an account statement, and looks like an account statement, except it shows an erroneous, altered account number. Not only has the bank deleted the complete and true account number from account statements, it will not or can not provide the account holder ( even when asked ) the same account statement showing the complete, true account number. 

All account statements must show the true account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Beyond Finance, failed to inform me that their method would have a damaging impact on my credit score. They advised me not to pay my creditors in order to allow them leverage to negotiate lower payments for me. They told me that they would pay my creditors with funds that I send to them. They failed to follow through and as a consequence, I received 4 late payments on my credit report, sending my credit score plummeting. I am still suffering from the effects. 
Please advise how I can remove the late payments from my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) XXXX - XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXXXXXX 4 ) Ameri Save Mortgage Corporation 5 ) XXXX XXXX XXXX