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

I am open this case again because Bank of america kept close the case without give me an answer. 

First : Iam requesting bank of America to provide me the steps and the process that the bank has been taken to protect my money and my account from the fraud as their liability to protect my money. 

second : the bank did not informed me that my account under fraudulent, just the bank and the managers when i called to see why my account freeze they kept told me that the account under hold and investigation they refused to informed me that my account under fraud. 

Third : I have been in FBI XXXX  XX/XX/2017 to  complain that i got fraud and the company scammed me and the bank seized my money. 
An agent on duty the was called the bank trying to help me and explain that iam a victim and under fraud and the FBI Agent asked the staff in the bank in the close account department why you did not recall her money why you did not protect my account the staff replied that the bank will not recall because the money in the danger area. 


please am request bank of america to send me and my lawyer the steps that has been taken to protect my money and to protect my account as a customer and the liability for the bank to protect me. 


why you did not informed me that iam under fraud? 

why when i told you as the bank dont resend the money to XXXX XXXX their are scamming me and i have instruction from them to wired the money, Nobody from the bank hear me or applied to take from me any information to help me. 

Please send me the steps and the action that has been taken from the bank to protect me. 

please dont close the case without send me the steps and the action that has been taken from the bank Thank you
Product: Credit reporting or other personal consumer reports

Inaccurate information and unverified information on my reports the following XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance : {$5100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} *XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning XXXX 's, Equifax 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, XXXX, Equifax, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer reporting agencies, including XXXX, Equifax, and XXXX , are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, XXXX is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer. 

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy. 

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions. 

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct XXXX, Equifax, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am from Washington state, XXXX, I was borrowed a money from XXXX XXXX XXXX institution a year ago about {$500.00} dollars on principal amount.I was paid the {$500.00} dollars in a short term period and they ask me an interest which is almost {$1000.00} dollars. This is beyond my situation. I didn't know about this lender before about their non license business which they are conducted in washington.This lender XXXX XXXX XXXX  insult me by many call and I am asking now a serous investigation must be taken by this lender how they are working their business and their beyond interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo closed my bank account, they then proceeded to charge my closed account for my auto loan. ( they never once emailed me or messaged me about this matter ) Obviously my auto loan payment was not going to go through because it was set to autopay from the account they closed. 

I have called and talked to them every XXXX  month since this happened. They refuse to let me enroll in auto pay. 

So every month they charge mee a late fee, a processing fee, and they refuse to let me enroll in auto pay so this doesn't happen. 

Not only are they negatively affecting my credit report by putting a missed payment that was there fault for closing my account without notice. 

Furthermore they charge me interest and penalties every month while refusing to let me enroll in autopay from my chase account every month. 

What they are doing is terrible I do not know how they are able to do something like this.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

I had a Wells Fargo mortgage. When the housing bubble happened, I tried to refinance my mortgage and Wells Fargo said I could not reapply. As such, my home was foreclosed. Had I been able to reapply, I could have gotten my payment down to where I could have made the payment but Wells Fargo refused to let me apply. I have called Wells Fargo and after getting the pertinent address and my current address, their system hung up on me. I am not sure if I need to call again and sit on hold but - as is typical with WF - nobody in customer service can answer any questions. This was XXXX when I tried to refinance - XXXX or XXXX and the home was repossessed in XXXX. 

Thank you for your time.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to the credit reporting agencies requesting a validation of the debt showing on my consumer report from XXXX XXXX XXXX. I have not received any response from XXXX, Transunion or XXXX. In my letter, I mentioned that I have no knowledge of a debt that is owed to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX as well on XX/XX/XXXX requesting that they validate the debt by providing the verification of debt, Proof of assignment, complete payment history, as well as Proof of License and Bond, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received any response from XXXX XXXX with regards to my direct request. Since i was unable to receive this information from XXXX, it was my hope that the Consumer Reporting Agencies would be able to provide the same to me since they have the information posted on my report and must only report verified and validated information per FCRA Section 611 and 15 USC 1681s-2. I have attached the XXXX and the XXXX letter. The Transunion and XXXX letters stated the same.
Product: Mortgage

Predatory lending. 
I closed on the first mortgage loan on this home on XX/XX/2003. 
I have lived there continuously since then. I have defaulted several times in 20 years but for the most part I have been making mortgage payments for 20 years. 
I received a prior modification the terms of which were predatory unbeknown to me until much later when I found out that I had a balloon and that the term was changed to 45 years and my principal was not going down. Also, recently I received a modification offer after being on XXXX forbearance and once again the terms are predatory and abusive. The lenders hide and deceive by offering a " low interest rate '' but they are increasing their profits by recreating conditions where the loan principal never gets paid off and their profit just keeps increasing. I have been working like a slave, compromising the well being of my family to line the pockets of these slave drivers!!! They are saying that in XXXX I will still owe {$260000.00} of the {$360000.00} initial loan amount after paying for 32 years!!! They have made me work as a slave to benefit from my labor and I can not even own my home after working for 32 years??? XXXX XXXX says that slavery in all its forms has been abolished. Do not let slavery exist in a deceitful underhanded way. I have been wronged and abused. My entire life has been destroyed and they are now taking the stance that since I refuse to continue slaving for them I will be driven out of my home against my will! The laws of this country should be protecting me against this abuse of power. This is straight forward and plainly wrong and needs to end!!! For me and for other people equally affected!!!! Do not turn a blind eye!!! ENOUGH IS ENOUGH. LIFT THE KNEE! I CAN NOT BREATHE!!!
Product: Checking or savings account

I am writing to lodge a formal complaint against SoFi Bank for their misleading deposit policies, failure to communicate significant changes, and refusal to honor initially stated terms. On XX/XX/2024, I made a deposit to my account in the substantial amount of {$7700.00}. Following this deposit, I received assurances both via email and the SoFi banking app that the funds would be available in staggered credits : {$2000.00} on XX/XX/2024, an additional {$3600.00} on XX/XX/2024, and the final balance of {$2100.00} on XX/XX/2024. 

As of XX/XX/2024, none of these funds have been credited to my account. When I reached out to SoFi customer service for an explanation, I was informed there had been a " mistake in the screenshot '' of their prior communications. Contradicting their initial promise, I was now told that only {$500.00} would be made available on XX/XX/2024, with the remainder to follow on XX/XX/2024. This abrupt change in fund availability, communicated to me after the fact, is not just inconvenient but highly deceptive and misleading. 

It is critical to emphasize that {$7700.00} is not an insignificant amount. The sudden and unexplained withholding of such a sum is distressing and poses a significant inconvenience. If SoFi is utilizing undisclosed metrics or policies to justify the denial of rightfully due funds to depositors, it is imperative that these criteria be clearly communicated to customers. Leaving customers in the dark, only to later claim a miscommunication or error, amounts to gaslighting and is utterly unacceptable. 

Upon reviewing first-hand accounts from other customers online, it is apparent that the staggered credit amounts I was initially promised align with SoFi 's typical practices, rather than this sudden and detrimental change. This lack of transparency and failure to adhere to communicated terms is unacceptable and unbecoming of a reputable financial institution. 

I demand the Consumer Financial Protection Bureau to intervene and investigate SoFi Bank 's misleading and inconsistent deposit policies. It is crucial for customers to be treated with fairness, transparency, and respect, especially when it involves the management of their finances. SoFi 's actions in this case reflect a disturbing disregard for these principles.
Product: Money transfer, virtual currency, or money service

Skrill Inc withdraw money from account via ACH from my bank account thats not registered in my wallet my account that is registered with them is XXXX they withdraw from XXXX XXXX Account dont know how they got my Checking Account information from my secondary bank. They been giving me the run around for two weeks. Their has been no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : credit inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen and I made Dignifi aware of this and sent numerous of letters and documents as proof to the identity theft and account that were associated with the theft.This company is still reporting these accounts as thou they are accurate when in fact they are included in my information being stolen. According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. Also 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And 15 U.S CODE 1681C-2-BLOCK INFORMATION RESULTING FROM IDENTITY THEFT ( A ) BLOCK
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this Please supply me with a copy of any contract or agreement signed with your company or the original creditor In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, pleas inform them of my dispute regarding the validity of this debi Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being. 
companies involved ; XXXX XXXXXXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXXSANTANDER XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX Bankruptcy Dismissed DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Discharged DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account XXXX  account # XXXX. I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.