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

There has been ongoing unauthorized transactions and withdrawals from my Bank of America account since the beginning of XXXX. I was not made aware of how severe these fraudulent transactions were until about XXXX. I reported several fraud transactions to BoA in XXXX and have continued to since. I even changed my checking account name to stop stealing my checking XXXX XXXX XX/XX/2022. BoA would cancel my current debit card, issue a new card and I would be without a way to access my funds until the new card arrived in the mail. I was at the time homeless and staying motel to motel, so access to mail was few and far between. Eventually, I started to make cash withdrawals because in order to use my debit card, I would have to call BoA, wait on hold sometimes up to 90mins and beg them to approve a current transaction. ( Meanwhile, theyre approving XXXX  transactions and XXXX  transactions that I did not make ). Ive been calling them daily. I can not get help. I submitted over {$8000.00} in fraudulent transactions, so far. They spent less than 10 days investigating these claims before closing the claim and marking it not paid. I explained to them I would try using XXXX to send to friends in order for friends to give me cash because BoA would not provide me with a temporary card or a way to access my funds. XXXX would deny the transfer. I would try a lower amount immediately which would be blocked. A few days later the transactions appear on my BoA history as processed. Example, send {$200.00} - denied, send {$150.00} - denied, send {$100.00} - denied. A couple days later, my BoA account processed and paid {$450.00} but my friends never received the money. I contacted XXXX. They claim the money was returned but it was not. The bank blamed XXXX XXXX blamed the bank. Ive had a minimum of probably $ XXXX stolen from my account. BoA has not been helpful. I even had a teller assisted withdrawal on XX/XX/2022 for {$1000.00} on my account. I was not even in that bank branch that day. BoA in several occasions, has left me stranded without any form of temporary payment. Ive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they would not provide a temporary payment method for me. 1 night I spent 7hrs of calling for help, being on hold, transferred to numerous associates and was told to visit a local branch for a card. After visiting that local branch, I was told no digital cards are possible. The bank stopped those about a year ago. Currently I have a negative balance. Money I had saved, is now gone. Ive been a XXXX customer. Out of those XXXX, I dont think I ever spent XXXX in a total year. But within the last four months. My account went from XXXX to - {$14.00}. BoA considers that normal for me. They are no help and I had a lot of money stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.
Product: Payday loan, title loan, or personal loan

We secured a XXXX loan through Regions bank. Upon notification from the bank that it was time to submit our reimbursement forgiveness paperwork, we properly produced and submitted a documentation required. Without receiving a single statement or document advising us as to the terms and conditions to repayment, regions began debiting large sums from our operating account without notice or any statement ( XXXX ). We repeatedly requested clarification for the withdrawals and Regions failed to provide any. We repeatedly requested clarification and statements of the account- to which Regions refused to provide or otherwise produce. We finally appeared to a branch manager 's office in XXXX XXXX XXXX to discuss the issue, where it was determined that the XXXX loan had entered a repayment process. We demanded copy of a statement of the account -- which Regions refused to provide. We demanded a reduction in the repayment terms while pending review. Regions refused. We signed documents to lower the repayment terms. Regions failed to consider it. We have now sent Regions XXXX emails and called countless times to speak with a XXXX or Regional Manager. All requests rejected. They refuse to communicate about status of loan, statement of the account, or the terms of the repayment. The company has failed to comply with our written and phone requests for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 2 accounts that do not belong to me with XXXX. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.
Product: Checking or savings account

ON XX/XX/XXXX I ENTERED A CHASE BRANCH TO OPEN AN ACCOUNT SUPPLIED ALL THE PROPER INFORMATION TO PROCEED TO OPEN AN ACCOUNT WHEN I WAS TOLD THEY HAD TO TALK TO THE HIGHER UP UNBEKNOWN TO ME WHY BUT I SAID OK I MADE SEVERAL ATTEMPTS TO FIND OUT THE REASONING FOR THIS I SPOKE WITH SEVERAL REPS WHO GAVE ME THE RUN AROUND AND ON XX/XX/XXXX XXXX RECEIVED A LETTER STATING THEY WERE UNABLE TO VERIFY MY IDENTITY. I DONT INNERSTAND WHAT MORE INFO THEY NEED FROM ME IF THEY COULD CHECK MY SO CALLED CREDIT SCORE WITH XXXX THEN THEY HAD ALL THE INFO THEY NEEDED TO OPEN THE ACCOUNT AN ACCORDIND TO 12 US CODE SUBSECTION 412 THEY COULD HAVE USED MY APPLICATION TO FUND MY ACCOUNT SO IM NOT INNERSTANDING THE PROBLEM. THEY ARE IN DIRECT VIOLATION OF FEDERAL RESERVE ACT SECETION 16 .1THE BANKS ARE THE BORROWERS
Product: Credit card

Our computer stopped working with a number to call to clean it. We were talked into placing {$290.00} on our Bank of America card payable to XXXX and they would clean the scam off of the computer. We contacted Bank of America the next day to not pay the charge as by that time we realized it was a scam. We were told by Bank of America that the charge had not posted yet so it could not be disputed, to call back. We have called a number of times and supplied documentation from a computer repair co. as second opinion that this was a scam. Bank of America has paid the scam co. and can only suggest that we contact them for a refund. We do not want anything to do with this scam co. and are very disappointed that Bank of America paid this charge even after we requested that they do not. What can we do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/year> there was a debt collector added to my credit that is not mine for the amount of {$1200.00}. I have a reference number for identity theft to FTC XXXX
Product: Credit reporting or other personal consumer reports

Recently I've noticed the following accounts on my credit are incorrect. I'd like the following removed as I do not recognize any of the following/there have been errors found. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance of {$1000.00} should be {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach and that the following accounts have been fraudulently opened or accessed due to this breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit report.

Please find below a list of the accounts that require immediate attention : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are being reported as such.
Product: Debt collection

Date : Amount : I have sent two disputes and they have been negligent in regards to responding specifically to what I have been asking for. They send general automated responses which are being negligent for what I am asking for specifically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on all three reporting agency 's about I applied for credit at XXXX and at XXXX XXXX ( XXXX XXXX  ). I disputed these inquiries with Equifax and they came back as confirmed and to be correct. I called them about the accounts and they told me if they were wrong I need to call these two places to have them send to the 3 reporting agencies the hard inquiries were not mine. I got the contact information from Equifax and called I spoke with XXXX first from XXXX at XXXX and she said she saw nothing but she transferred me to XXXX an accounts specialist and he also saw nothing using my social had ever been applied for. I was told by him since I did not have an account with a social they had nothing to report back to this agencies. Second I call XXXX XXXX which is a XXXX XXXX account first spoke with XXXX and he saw no account had ever been applied from there using my social number, he sent me to the applications department and I spoke with XXXX and she told me the same. They also said without an account with my social they could not send anything the the reporting agencies. 
To me they are inaccurately reporting information that there is no way they verified to be correct which is causing and adverse action on my reports. I am trying to correct all my reports so I cal buy a house. How can I get this fixed?.
Product: Credit card or prepaid card

Credit card Type : Credit care/ The extra interest amount {$970.00} / Issuer : synchrony bank / Merchandiser : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / During issuance, the card information has been given ( Terms and conditions ) changed by the bank & Merchandiser without my knowledge or approval which resulted in {$970.00} extra added to the card balance. 

The bank claimed that the deal is the pay the total amount ( {$6900.00} ) within 6nmonth which something never discussed or brought up to my attention & approval during applying and approval process, moreover I never acknowledged or approved such terms. 
When I contacted the bank to complain & despite such added extra amount/ interest they refused to take action and directed me to deal with the Merchandiser. 
The XXXX doesn't respond & communicate back to my calls for more than 6 weeks. 
I have been misled during applying & approval process by both Bank & Merchandiser.
Product: Mortgage

Our company has been trying to get a short sale reviewed in its entirety and approved from back in XX/XX/XXXX. The primary homeowner and mortgagor passed away and left his house to his wife who still lives in the house. The Servicer, Ocwen, received all the short sale documents including the offer but refused to keep moving the process along until the wife of the deceased mortgagor went through a probate in order to sign off on any paperwork regarding the loan and the short sale. The wife of the homeowner has no money and the deceased mortgagor was their primary source of income so she struggled to figure out who can pay for the Probate process which would cost anywhere from {$2000.00} to {$3000.00}. The Buyer was reluctant to pay for the Probate at first but we were informed by Ocwen that the foreclosure would be on a standstill since we are still active in the Short Sale process. The buyer agreed to pay for the probate and the Probate attorney has been working with the Homeowner all this time to get documents processed to the Probate court. The homeowner received a foreclosure notice last week that the house is now being foreclosed as ordered by Ocwen on XX/XX/XXXX.  The probate is VERY near to it's completion. I spoke to the Escalation office that we have been working with on this file and requested that the foreclosure date be postponed so we can continue the short sale and get it closed. The escalation rep explained that without the complete set of paperwork ( a revised Settlement statement which we can easily send, and the probate documents ) they wouldn't be able to postpone the Sale! So Ocwen required the homeowner to go through probate to sign documents despite the deed being in her name ( she is not on the loan ) and now they are not allowing the foreclosure date to be postponed because of their need was not met. I explained to the Escalation rep that I would send her all that is needed by next week but we would like to see if CFPB can assist in this so the postponement can be ensured.
Product: Bank account or service

I was served a garnishment by a local law firm by the name of Machol & JohannesLLC. 
In speaking with them I specifically told them this was a case of fraud by a family member back XX/XX/XXXX. I provided them with proof from the XXXX Police department that I was a victim of identity theft. I showed them the proof of this and from each bureau for the card in question. The bureaus did a full investigation and deemed this as not mine and deleted the account immediately. I was told they would not sell the debt due to what happened. Companies like Machol & Johannes do what is called absentee judgments to try to scam people stating they knew of the serving etc.. It is common knowledge they look for easy prey. I am not easy prey but rather a victim of ID theft over 9 years agio which makes this debt uncollectable in that fact alone. I want them to drop this case as it is fraudulent reporting to the courts and exceeds time limits to collect. I want all {$720.00} taken illegally from my account.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax legal XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include :
Product: Debt collection

I told XXXX and XXXX to reinvestigate this account : JEFFERSON CAPITAL SYSTEM However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify and delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

Last year on XX/XX/XXXX, I booked a cruise for my family for this year XX/XX/XXXX - XX/XX/XXXX, using my Bank of America Master Card. 
In XXXX, I contacted the travel company to confirm my dates, but they had sold out and the new company decided to charge us after a couple of drawn out phone conversations and additional {$1600.00}. As a result, I canceled the trip and was told that a refund will be sent. After two months and not getting the refund, going back and forth with the travel company, they finally told me that I should contact my bank and ask because it was sent as agreed. Back and forth between me calling the bank, the merchant and the travel company, finally I decided to open a dispute. The funds were finally in on XX/XX/XXXX. Seeing this and knowing I had paid off my balance on the credit card in XXXX and brought my balance to {$0.00}. I decided to move my credit balance ( my money ), to my savings account - which I did on Saturday morning via online transfer. 
On Monday I noticed I had a fee of {$99.00}, representing 5 % fee on cash advance. I called the bank and reminded them that it was not a cash advance but funds that were my credit balance that I moved and so they should see that the fee is removed. Going back and forth between the associate and her supervisor, they finally concluded that I can not be refunded the {$99.00} that I have to pay the fee for moving the money - that I should have called them to move it rather than move it myself because it triggers a 5 % fee and I agreed to the fee. 
I noted before hanging up that the money was not the banks, and since it was not a cash advance on my credit card, I think it is unjust to ask me to pay a fee on my money. 
I know it is not a lot of money in the eyes of the bank, but it is a lot to me. 
I would like you to assist me in resolving this issue. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian and XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ).

The following accounts show inaccuries Account Name : XXXX XXXX  ( Account Number : XXXX ) Account Name : Sunrise Banks ( Account Number : XXXX ) Despite providing evidence that late payment entries on my credit report are inaccurate, the credit bureaus have not corrected or removed these items. On XX/XX/year>, I disputed the inaccuracies with both CRAs, providing supporting documentation, including bank statements and payment receipts. However, the CRAs failed to investigate the dispute properly, did not verify the accuracy of the information, and did not remove the erroneous late payments as required under 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. By failing to correct the false late payment information, they have violated this obligation, which has harmed my creditworthiness. I request that the CFPB intervene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, anc remove the disputed items from my credit report. I trust that the CFPB will take appropriate action to resolve this matter and protect my consumer rights. 
Thank you for your attention to this issue. 
Sincerely, XXXX XXXX XX/XX/year>
Product: Mortgage

On XX/XX/20 our mortgage refinance was transferred from XXXX XXXX in Virginia to AmeriHome Mortgage. The first payment was due XX/XX/20. Between the time of closing and the first payment was due, our flood insurance dropped by {$1000.00} per year. I called AmeriHome and spoke with XXXX. She told me she would make a request for and escrow analysis. She said it could be accepted or denied. She said it would lower the amount of the monthly mortgage payment. She said we would hear by XXXX in a call or a letter. She strategized with us to figure out how long we could wait to hear back from the analysis before our payment would be late. Having heard nothing from AmeriHome, on XX/XX/20 I called again and spoke with XXXX. He informed me that he could not find an escrow analysis request. He said he would make a request. He said the late date is the XXXX of the month. I said my mortgage statement says after the XXXX is late. To date we have not heard from AmeriHome about the escrow analysis. I received a letter from AmeriHome on XX/XX/20 saying AmeriHome had not received any payment on the mortgage. I placed a call to AmeriHome and waited 30 mins twice. During the call an automated voice told me that only one payment was due on XX/XX/20. And that an property tax payment was pending. So we assumed that the company had received the first payment. So, we would like some help with this company. We believe our mortgage payment should be adjusted. Thank you, Sincerely ...
Product: Debt collection

American Express has been contacting me multiple times a day since XX/XX/XXXX regarding a debt owed by my former college roommate. I have clearly expressed this is not my debt and that I am not on the account and no longer in touch with this person. They have now resorted to calling from different numbers each time in an effort to continue to harrass me.