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

Bank of America- on XXXX two charges for XXXX XXXX were declined in my checking account. I received notification that there was suspicious activity and confirmed the charges were not made/authorized by me. I was told there would be a stop payment on those charges and no additional charges would be allowed from that vendor. The next day 6 charges from XXXX XXXX hit my account totaling {$7800.00}. I received a suspicious activity alert and immediately called to dispute the charges and submit a claim. My account was then hit with {$230.00} in international transaction fees. 
Bank of America knows that these charges are fraudulent. I'm a residential mortgage lender in XXXX, AZ and my charges are to local companies or XXXX. In no way could these charges be mine or as a result of negligence. 
I have contacted BofA countless times since XXXX for status updates. During this time they made no attempt to contact me for additional information. I was told that they have until XX/XX/18 to either make a decision or provide a temporary credit while the investigation continued. 
I called today XX/XX/18 and was told my claim was denied and that I was liable. The know that this was fraud. I mean XXXX XXXX???? I am bygone frustrated and ready to seek legal advice and escalate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt on my credit file, I immediately called and paid the debt off. I never received any phone calls, collection letters, or notices. and I'm pretty sure that violates my 30 day right to dispute.
Product: Debt collection

On XX/XX/23 I sent a debt validation requests to the bureaus for a debt that was reporting on my credit report by a company called Convergent Outsourcing. Convergent sent me what they call " debt validation '' and claimed the debt was valid. On XX/XX/23 I sent a debt validation request directly to Convergent Outsourcing because all they supplied me with in their debt validation were random pages of a XXXX phone bill. No matter how many times I tried the numbers did not add up to the debt they are claiming I owe which is {$450.00}. The closest number I got while doing the math was {$390.00}. I wrote them back requesting a breakdown of fees and to explain how they got the amount they claim I owe, as well as any official contract bearing my signature that would prove the debt as valid or belonging to me. All they did was send me the SAME exact documents they originally sent me, which in NOW WAY shows how they calculated the debt they claim I owe, and no official documents that would EVER prove the debt in any way belongs to me. They are in violation of XXXX XXXX XXXX XXXX -False or misleading representations and probably more violations as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. 
-- -- -- -- -- -- -- -- -- -- -- - Experian will not delete nor remove this item from account ever when I provided proof under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/XXXX Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
Product: Money transfer, virtual currency, or money service

I met this guy in XXXX named XXXX. 
We talked for a minute about selling shoes to each other. He seemed pretty legit. He sends me pictures of shoes he can send to me. 
I end up sending him two separate payments for two pairs of XXXX XXXX XXXX XXXX on Cash App. Its been over a month now. I havent received anything. He still responds to text but never answers the phone. He tells me his accounts are frozen : XXXX, XXXX XXXX, XXXX, & Cash App. He sent me a picture of his XXXX XXXX  account. It was in the negative. I definitely can confirm that he is a scammer. He has recently told me that his job only pays him in cash and he has no way to send me a refund. 
Ive requested a refund already and contacted Cash App support. Cash App supports says there is nothing they can do. 

Two separate payments were made : 1. ) Date : XX/XX/2021 2. ) Payment Amount : {$390.00} 3. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded. 

1. ) Date : XX/XX/2021 2. ) Payment : {$300.00} XXXX. ) $ XXXX : $ XXXX 4. ) Reason you are disputing the transaction : Fraud/Scam, Never Sent Shoes. Never Been Refunded.
Product: Money transfer, virtual currency, or money service

I received a direct deposit on XX/XX/2024 onto my PayPal account now l received a message that my transfer was successfully but I never transferred no money I contacted the card my PayPal account linked to which is PayPal Prepaid No Funds she it couldn't have posted yet she didn't see anything I waited till that Monday still no money now I'm trying to reach out to PayPal customer service can't get in my app password was reset still calling finally I reach a representative she recover my account reset my password I gain access to my account I explain to her that my direct deposit was transferred the only card I have on file was XXXX No ma'am Card ending in XXXX XXXX XXXX all I know ok file an appeal go to the resolution center in the app check for updates on your claim I get an email go to PayPal message center I'm locked back out my account back to the phone now she helps change email removes unknown phone numbers tell me that the XXXX ending card been removed but denied my dispute no suspicious activity WHAT? IM VERY UPSET IM MESSAGING THEM IM CALLING IM COMPLYING WITH THEM now I got ta wait on a appeal decision to DENY me again I've been patient I'm bout to be no lights no water and homeless I need my money please PayPal is 100 % Accountable I trusted them with my money that's y'all job to notice usual actions I'm contacting y'all after every email of someone trying to login to my account I have never been so stressed out I'm so hurt I'm just so broken behind this I'm reaching out to you today to PLEASE PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit file. I am concerned with some items you are reporting for Account Number XXXX and Account name XXXX XXXX XXXX XXXX. I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account from my credit report.
Product: Checking or savings account

Reference Citibank Case # XXXX .... ( Assigned by a Mrs XXXX..Citibank ACH Dept XXXX XXXX ) In XXXX XXXX my Citibank Debit Card : XXXX was debited {$2000.00} for a cruise with Norwegian Cruises. This cruise was cancelled, and the XXXX XXXX XXXX XXXX Ms XXXX ) XXXX..said all monies for the trip were credited back to the debit card/checking accounts of origin on or shortly after XX/XX/XXXX. Again, the Citibank debit/checking account used was XXXX XXXX XXXX. Unfortunately, by the time the {$2000.00} credit was sent back to Citibank on XX/XX/XXXX, my checking/debit Card account was closed XXXX effective XX/XX/XXXX ). But, as a reminder, the account was in good status when the charge was originally made on XX/XX/XXXX. 
It is now XX/XX/XXXX, and I have been waiting for this payment since XX/XX/XXXX, the date XXXX XXXX has verified that the {$2000.00} was sent back to Citibank. Citibank gives me a different answer to my inquiry each time I call. I am told to call back in week. Recently as of XXXX, I was told to call back in 24-48 hours. Enough is enough. I need my money returned now, and a check issued to me as soon as possible.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a collection from XXXX that they have provided no documents or information for me fi follow up with to validate this collection. How exactly were they able to validate and verify that this collection belonged to me? I would like these records so I may view them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get my free credit report from https : //www.XXXX.com. It keeps looping and giving errors so that I can not obtain my credit report.
Product: Checking or savings account

I have been unable to link accounts to my Axos Bank primary checking account, whether using current XXXX XXXX browser or current XXXX XXXX browser. This issue is specific to Axos Bank, as I am able to link my Axos Bank checking account from the XXXXXXXX XXXX XXXX end. XXXX must repair/ restore/ remediate these APIs with XXXX XXXX and related external partners as required.
Product: Credit card or prepaid card

I have had a XXXX account with Bank of America since XXXX. I have used this account sparingly with balances generally less than {$500.00} XXXX Some months the card was not used at all XXXX. I have always paid my balance in full each month and always on time. 
Staring in XXXX XXXX, I began seeing multiple unauthorized charges on my statements, which I promptly reported to Bank of America. In the beginning, they promptly credited my account for the charges and said they were beginning an investigation. As time went on there were an increasing number of unauthorized charges for increasing amounts all of which I reported to Bank of America and for which they gave me provisional credits. 
Eventually, I identified the person ( living in my home ) who I suspected was the perpetrator of this fraud. I began eviction proceedings against this person and informed Bank of America that as soon as the eviction was final I would be filing a police report naming this individual as a suspect. On XXXX/XXXX/XXXX, I filed the report and called Bank of America with the police report number and the XXXX XXXX 's name. 
Beginning with my billing statement of XXXX, Bank of America began charging back to my account, nearly all of the fraudulent changes, stating that they had finished their investigation and had determined that no fraud had occurred. They did not give a reason for this finding. Now, they are expecting me to pay over {$16000.00} in fraudulent charges ( Even though the credit card agreement clearly states 0 % liability for fraudulent charges ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX , XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report from Early Warning Services which contained me personal information from XXXX XXXX XXXX XXXX ( XXXX  ). The accounts I hold with XXXX are personal checking and savings accounts. The terms and conditions for XXXX XXXX XXXX XXXX XXXX state on pages XXXX & XXXX that XXXX DOES NOT share personal information with nonaffiliates. Early Warning Services is a nonaffiliate. XXXX and Early Warning Services intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, XXXX and Early Warning services violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that XXXX ad Early Warning Services should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of XXXX. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically XXXX, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which Early Warning Services is a nonaffiliate. Other laws provided by the XXXX, FTC, XXXX, XXXX and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX  just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX US dept of EDXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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: Checking or savings account

On XX/XX/XXXX I openend two accounts at Truist Bank with a bank check from XXXX XXXX XXXXXXXX. I was told the money would be available the next day. When the funds were not available the next day so that I could pay the bills with it Imwent to the bank and was told tonread the fine print and to leave the bank. After many hours on the phone asking why Incould not access my funds I was treated like garbage and nothing was ever explained olnor resolved. I was lectured about checks and told that the money would be available on the XXXX. Inhad to take out a loan to cover my bills and now on the XXXX the bank still has not released my funds and they said they can legally hold it one more day and are going to do so. Read the fine print. Truist Bank stole my money!!!!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have resulted in several fraudulent hard inquiries and fraudulent collections appearing on consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

Service fees on checking accounts? Really? I did n't realize they had even started doing that till I was out of work. Then I was penalized because I did n't have enough money. I did n't even over draft. I simply did n't have the minimum balance to avoid a fee. The logic on this is backwards - if you have money, your checking is free, but if you 're barely scraping by, we 're going to penalize you by taking even more money out of your account? I bank with Chase. If I can find a bank that does n't charge me simply for keeping my money in a checking account, I will change. But this is usury. This is what monopoly looks like. This is what no regulation looks like.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Late Dates XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specially, cashapp 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries.

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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my fourth time disputing this account with Experian and I, the consumer have not received one piece of evidence that proof this account is being reported accurately. Under the FCRA consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I want is for Experian to treat me with fairness by compiling with the LAW. 

All the late payments under this account XXXX XXXX Account # XXXX is being reported inaccurate can you please update every late payment paid as agreed or provide me with all the evidence per 15 USC 1666b ( a ) and proof of the notices per 15 USC 1681s-2 ( 7 ) ( A ) ( B ) and 15 USC 1681i ( 6 ) ( A ) ( iii ).

If you choose not to comply you will be in violation of 15 U.S. Code 1681n Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} per violation.

MY NEXT STEP IS TO FILE A LAWSUIT!