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

On XX/XX/2023, Bank of America took an " Unauthorized Offset '' from my Personal Account ending XXXX for {$540.00} to supposedly cover the unpaid balances on the business accounts I had reported as Fraud. I have received no payment receipt for this deduction and there has been no record of accounts showing how and if the offset was actually applied to the account ending XXXX. Multiple Account numbers were associated with this Business account. I have previously reported that I did not open those accounts, nor have I ever been provided with Signature Cards for all Accounts opened as me at Bank of America. Other people were allowed to apply for credit as me and they were allowed to make changes to my corporate account. This is obvious Bank Fraud and Identity Theft. 

As I had reported that business account ( XXXX ) as Fraud, I did not approve or authorize this offset transaction payment from my personal account. I have filed multiple Fraud Complaints associated with the suspiciously handled Credit Card XXXX XXXX XXXX XXXX. I called Bank of America and requested a Bank Refund of the {$540.00} Offset payment, and I clearly instructed the customer service agent to take no other deductions from my personal account for the fraudulent business accounts. 

I spoke with Bank of America, XXXX XXXX XXXX XXXX on XX/XX/2023. 
I asked for an explanation as to why my Personal Account is being used to offset a Fraudulent Business Account, they refused to provide an explanation. I also explained that I never agreed to pay the amount and that no payment receipt or notification has been sent to me for the Payment. I also stated that the Total Balance Due for the Account is NOT MINE. I stated that I had no Card with a $ XXXX Balance. I requested to be refunded and they refused. I requested an explanation for why the XXXX XXXX does not match the Amount they previously emailed me as due for XXXX - They had no explanation. I requested to be emailed the Signature Card and the Bank Policy they were using as the legal basis for the unauthorized withdrawal. They refused. I also noted that the deduction they made is not clearly marked as a withdrawal from Bank of America. The attached Debit slip says BANKCARD DEBIT XXXX XXXX XXXX XXXX and does not clearly list the account the {$540.00} is being deducted to pay. This debit is therefore highly suspicious and illegal banking activity according to the FDIC. Please Investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting

I am filling this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach in XXXX ( see attached documents ). I, at that time, decided to receive credit monitoring services for free per the eventual settlement of the lawsuit. I did not sign up with it because I actually did not see the email in XX/XX/XXXX they sent about it with instructions how to sign up until today while gathering my documentation. The credit monitoring was to be for all three credit bureaus and through experian. This is the only connection I have found between the emails I have received the last 2 days asking to update my XXXX credit card information as the company is apparently trying to charge me for these services?? I called them right after receiving the first email asking for payment ( attached ) asking what they were trying to charge me for, and how they got my card information. After a circus on the phone, I got no answers. The girl had no idea why they were attempting to charge me, what a XXXX was, repeatedly talking in circles while I am eventually pleading with her to just close whatever service she stated I was enrolled in. Two hours later, I believed it was over since after I finally got off of the phone after all that time, I received another email stating all of the services I'll be missing out on after cancelation. 
Today, another email requesting payment. 
I am contacting other consumer legal organizations about this as well considering how inept this company has shown itself to be due to the prior breach and the time involved still dealing with their carelessness. I demand to know how they acquired my payment card information. I asked repeatedly on the phone, and after not getting any reply, the cs agent actually wanted me to give her my full credit card number. Over the phone. After already giving her my full social security number, full name, and address. I am unsure of the legalities of this, but will find out. I would have been a fool to give any more information to Experian. She insisted she needed it to " look in the system '' and find why my card number was in there. This needs to be addressed along with why Experian was attempting ( and apparently still is ) to charge me for services they agreed to due to the data breach settlement.
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: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$860.00}.
Product: Money transfer, virtual currency, or money service

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ ) 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 Electronic 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, credit repair services, or other personal consumer reports

There are credit inquiries listed on my report that I did not authorize. I have sent a certified letter to Equifax, but they refuse to verify/investigate or remove inquiries. The inquires are : XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX Card # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # No Account Number Provided, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Money transfer, virtual currency, or money service

Someone hacked in my computer through my remote access app and XXXXXXXX XXXX  themselves, through 2 different names but many accounts XXXX totaling over XXXX out of both my personal and business accounts. These were Chase accounts.
Product: Credit reporting or other personal consumer reports

I submitted a certified letter XX/XX/XXXX  tracking number XXXX demanding proof of alleged debts XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX in the amount of {$5100.00} and XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX for {$15000.00} and to Validate the debt with original Purchase agreement with all parties signatures, Also I demanded that they delete all prior reporting made to any consumer reporting agencies including XXXX, Equifax, XXXX, XXXX and to cease reporting any collection efforts during the validation period. Also to note the account as being disputed in the remarks section of my report. As of XX/XX/XXXX  nothing has been done to my account they are still reporting this debt with no proof or Validation that it is mine and they have ignored 2 Certified letters 2nd tracking number being # XXXX. XXXX, XXXX, and Equifax all replied to my first dispute and request for validation was " item has been verified '' The E-Oscar software is not Validation or re-investigation and proof that an investigation was properly done and no proof of Purchase Agreement was supplied or the removal of debt while investigation took place.I also made them aware on the second letter that I would be filing a complaint with the CFPB and the XXXX  because they are reporting misleading information that is causing me hardship and distress not being able to purchase a home for my family. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account appearing on my credit reports from Convergent Outsourcing. It shows that this is for a XXXX account but I have not used XXXX for any services in over 5 years. Convergent Outsourcing keeps updating the date on my credit report so they can try to show this debt is more recent than it is and avoid my state 's statute of limitation laws in accordance with debt collecting. This is not accurate credit reporting and despite my attempts to dispute this with the credit bureaus, this has not been resolved.
Product: Prepaid card

Received a American Express XXXX XXXX as a gift with {$95.00} loaded on it. 

On XX/XX/XXXX, I attempted to use the card at XXXX XXXX, and XXXX and the transaction failed every time. I also tried adding it to my XXXX and XXXX accounts and the transaction failed there as well. This card can not be used as a normal credit card/gift card. 

I searched XXXX to see if other people were having the same problem and it was very common. This is how I came to be familiar with the CFPB. Other consumers had success loading their XXXX gift cards with the Amex gift card so I gave that a shot. 

On XX/XX/XXXX the first transaction on XXXX for {$50.00} went through so I did a second transaction for {$45.00} and it failed as of XX/XX/XXXX. 

I searched the Amex Gift card site for help and couldn't find a fix so I called customer service and was told that I can not spend the remaining {$45.00} because my available funds are XXXX cents short. The reason I'm XXXX cents short is because the XXXX XXXX transaction charges XXXX cents as a preauthorization and that is taken away from my available balance. 

I now have to wait until XX/XX/XXXX for that preauthorization to fall off my account. This is strange as none of my other failed transactions held the preauthorization after the transaction failed, which was immediate. You can even see the XXXX failed preauths for XXXX cents from XXXX. 

In addition I was told by customer service that I can not spend more than XXXX because that XXXX will always be held back as a preauthorization at the minimum. So how do I ever get that XXXX? Does Amex keep XXXX from everyone 's gift card? They claim to have no fees and that the card can be used anywhere Amex is accepted but that doesn't appear to be true. 

It is misleading that someone can purchase XXXX of these Amex gift cards and expect that their gift can be used anywhere like cash. Instead, the card is impossible to use anywhere and the money is held XXXX, presumably as Amex racks up interest on that money sitting in their coffers. This is unfair and unpleasant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX.
Product: Debt collection

I was robbed for my drivers license, credit cards, debit card, and cell phone on XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I initiated a complaint with a credit reporting agency regarding discrepancies in my credit report which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to follow up, the agency has refused to conduct an active investigation into the matter. I contacted them multiple times via phone and email to request an investigation, but each time, I was either ignored or told that no investigation would be conducted. This refusal to investigate is a clear violation of the FCRA, which mandates that consumer reporting agencies must investigate disputes. I am seeking the CFPB 's assistance to compel this credit reporting agency to comply with FCRA laws and investigate this matter thoroughly. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Other financial service

In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, XXXX, XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX, AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ;XX/XX/XXXXXXXX Balance Owed : {$920.00}.
Product: Mortgage

My insurance renews in XXXX and for some reason the Shellpoint Mortgage ( the company that bought my original mortgage ) did not receive the declaration pages. I uploaded per their instructions but continued to get letters saying I did not have insurance. I talked with them and sent directly to them and they verified they had the information, and yet I still continued to get notices and they started keeping money in my escrow account. I talked with them a third time to verify my insurance and she verified they had it, verified I did not have to pay escrow and put in a request to stop it. However, they continued collecting escrow. In late XXXX, I called again. The women put in a request to send back my escrow money and fixed my payment. However, a few days ago I checked and they voided sending me back the escrow and the rep said my escrow request was " closed out '' and would not give me a reason. I have now lodged another complaint and request. I have never had money go into an escrow account for the XXXX years I have had this loan and only started having problems after the loan was transferred to Shellpoint. My taxes are up to date and my insurance in paid in full. I have spent hours trying to get this fixed based on their original mistake of not logging my insurance correctly. Attached are copies of my insurance declarations pages and my property assessment showing I am current on taxes.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I mailed a certified money order in the amount of {$1000.00} & also had a {$20.00} bill included to Chase Auto Finance. It was received and cashed and entered into their system as {$120.00}!!!! This resulted in showing my account as a late payment and reported to my credit bureaus. This dropped my credit score by XXXX points. All this made another credit card drop my limit by thousands to a small amount over my current balance. This will be also reflecting negatively on my credit once it updates. This company has destroyed my credit and then reported to the bureaus that it was correct after I filed disputes on each one.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX that I do not recognize.
Product: Money transfer, virtual currency, or money service

Please review the attached PDF file with all the details of my complaint.
Product: Credit card or prepaid card

American Express made an internal mistake on my statement after I made a justified fraud complaint. I wasted over 20 hours in chats and calls addressing the matter, have been experiencing obfuscation and retaliation despite their managers admitting a mistake that would be addressed. I have always been on an autopaymet for the entire card balance monthly. I have a statement that is unequivocally miscalculated from it's own itemization, which their managers have even harassed and insulted me over in prior attempts to resolve the issue.

I will no longer use this corrupt, incompetent and purposefully unhelpful service. I would like help resolving this issue with American Express so my credit score is not inappropriately harmed, I'm certain telling them I will not use their services in the future. 

They just eat up your time in trying to fix the problem. It's ridiculous harassment.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate inquiries. According to the Fair Credit Report Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These 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 XXXXXXXX are not accurate . Also, according to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( c ) ( 4 ) ( l ), Have not been given a chance to dispute account.