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

An account was fraudulently opened in my name at Bank of America on XX/XX/XXXX at XXXX. 

Immediately I attempted to contact BofA but they did not accept calls very odd. I had no information on this account as I did not open it. I tried several times until XXXX local central time. 

I decided to go to a bank branch. The branch told me to call the phone number. 

They also could not reach the main office or the fraud line. At XXXX I had a conversation with Bank of America in which they told me they closed the account They didnt. I called back XX/XX/XXXX. Talked to someone new, sir your account is still active. I feel extended uncomfortable sharing any information over the phone with B of A. Finally, they say my account is closed but will not provide written proof. This is one of two reasons i am writing the cfpb. 

Second, Im a XXXX XXXX  by trade. I can not believe or begin to describe the number of failures Bank of America had in my interactions with them and how the person who stole my identity could have easily out smarted me due to their terrible policy. 

First, all telephone verification for my identity using the exact same information as the fraudster is unfathomable dumb. How do they know Im the real person? They refuse to do anything in person.

Second, when I went to the branch they showed me the interactions the fraudulent actor had with Bank of America. It was a colossal failure. Their verification of my email address did not work but they still opened the account and allowed them to switch emails dont believe me? I have a picture. Im not sure whats worse, that i could take a picture or that two factor authentication is worthless at bank of america.

Finally, the branch manager admitted thousands of people had come in with the same complaint. He thought it was no big deal because no money was taken
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress of these violations.
Product: Bank account or service

My citizens bank account in 2011 was hit by a payday loan firm multiple times a day causing me to achieve overdraft fees of over XXXX dollars. I asked the bank to freeze my account so this would not happen and they told me they could not because I was at a negative balance. I had to get a law firm to send a letter XXXX the put my account on a freeze. By then it was XXXX dollars in the hole and not a single penny was a result of an overage. Every single cent was b/c of nsf charges so this cost the bank XXXX dollars but is still on my chexsystems report. Its killing me on getting a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot reporting past due, incorrect credit delinquency. no past due payments should be reported 30 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial services they are over charging me after paying them off XXXX XX/XX/2023 {$2100.00}
Product: Vehicle loan or lease

I sold my leased vehicle to XXXX XXXX on XX/XX/XXXX. They contacted Toyota Financial that same day to obtain a payoff amount which was provided over the phone and address to send off the payoff amount. The check was overnighted to Lexus Financial. I contact them the following week and they confirmed that the payment was rec 'd on XX/XX/XXXX and they are behind on processing payment for 6-8 weeks. I asked them to provide some type of statement indicating that they are behind so I would not have any issues. They advised they could not. I would get a letter in the mail confirming that the loan was closed and paid in full. This letter has been received as of XX/XX/XXXX. I got a notification today XX/XX/XXXX from XXXX on my credit report stating that I was late on a payment from Toyota Financial. This is simply not true, the full lease payment was received again on XX/XX/XXXX, confirmed on several different occasions by multiple representatives. They explained that I did not need to do anything further and the delay was with Toyota Financial. I have my transaction history from Lexus Portal showing that all payments were received on time and the loan has been satisfied with no late payments. However, their credit reporting team still reported this information to my credit report. I need this corrected immediately as I am in the process of purchasing a home and if my loan is denied for this reason, I will need to sue Lexus Financial for this horrible mistake.

Monthly Lease Payments : XXXX due XXXX XXXX XXXX XXXX- with 10 day grace period Total Lease Payoff {$52000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccurate and inconsistent late payments on my auto loan with Ithink Financial, as reported on my credit reports by Experian and XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. I have not received the requested bank statement/ledger from the lender to show dates of payments. XXXX is reporting 30 day late payments for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and 60 day late payments reporting : XX/XX/XXXX Experian is reporting 30 day late payments for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and 60 day late payments reporting : XXXX, XXXX XX/XX/XXXX See XXXX credit reporting info I understand my rights under the FCRA and the duty of credit reporting agencies to conduct a reasonable investigation into disputed items. I also expect that any information found to be inaccurate, unverifiable, or incomplete will be promptly removed from my credit reports. Given the importance of maintaining accurate credit information, I request that you address this dispute as promptly as possible. Timely resolution of this matter will enable me to maintain a fair credit standing. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer 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 TransUnion, XXXX, 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 of a personal credit card account opened at XXXX XXXX  Account # XXXX Date Opened XX/XX/XXXX XXXX {$210.00}. 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my 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: Credit reporting, credit repair services, or other personal consumer reports

There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where capital one when I bought my car.
Product: Credit card or prepaid card

I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The apartment I was living in, had dry rotted wood due to termites, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I told the XXXX about the situation they never did an incident report nor do a work order. I told them what happens the XXXX XXXX told me that me going to the hospital was my incident report and they didnt have to put XXXX in. An eviction was filed no one from the complex showed up told them I XXXX XXXX XXXX and the lady that represented the complex had no knowledge of what was going on so she told me wasnt nothing that could be done. I later found out that I have a balance of XXXX dollars which is not right. I tried reaching out to them to find out why and no one will return my calls nor will they meet with me the times I tried to find out how and why, and since this it has made me homeless and have no where to due my recover due to neglect of the property, poor maintenance. My lawyers have pictures of the balcony and is in litigations at the moment. This has put a strain on my my life as well as going from good health to now having problem with my lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Equifax Information Service LLC. '' A Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Product: Checking or savings account

I opened a savings account with XXXX XXXXXXXX XXXX on XX/XX/XXXX. The bank started to deny all forms of withdrawals from this account since XX/XX/XXXX. I called their customer service line, only to be told that they put in place a retroactive 60 day account hold on all new accounts. There was no email notification of this new policy, just a popup if you happened to try and log in to your account. Customer service told me I needed to email them a copy of statement or voided check to prove ownership of the recipient account for the transfer. I email them the statement on XX/XX/XXXX, but was told it would take 3 business days to release the hold. As of today ( XX/XX/XXXX ), I am still unable to make any withdrawal in any form. I called their customer service again, and they could not provide a valid reason.
Product: Mortgage

Shellpoint mortgage has been refusing to pay my home insurance through my escrow account. On XX/XX/XXXX my husband died and in XXXX of XXXX I gave my mortgage company the death certificate, marriage license my identification and forms so that I could assume the mortgage that was in his name. The mortgage company approved the change around XX/XX/XXXX and my name was put on the mortgage. Abput 6 months later they started sending me billiing statements in my name and my deceased husbands name, two statements a month. A few months later the statements stopped coming in my name and all come in my deceased husbands name only. Now they tell me I can not assume the mortgage and when I call to make payments they give me a hard time and say I am not authorized to talk to them about the mortgage. In XX/XX/XXXX they refused to pay my home owners insurance because it is in my name and not my deceased husbands name. They said it doesnt matter if he is dead he still owns the house. If I pay the insurance I am worried they will just send me a refund check in my husbands name and the bank wont cash it because he is DEAD. On XX/XX/XXXX I spoke to a representative at Shellpoint with the last name of XXXX. She told me I was all set and they would pay the insurance within 3 days. They did not pay it. I called them on XX/XX/XXXX again and was on the phone for over XXXX hours. I sent an email with information attached to get the mortgage in my name which included ( 1 ) the deed in my name ( 2 ) the title in my name ( 3 ) my husbands death certificate ( 4 ) my marriage license ( 5 ) my state drivers license. The lady I sent it to said she would check to see if this was enough to get the payment made and said she has until XX/XX/XXXX to make the insurance payment. The payment was due XX/XX/XXXX. My insurance agent through XXXX XXXX XXXX in XXXX XXXX Michigan has also tried to contact Shellpoint. Today I called Shellpoint Mortgage to make a payment and the representative told me I can never assume this mortgage. She said I can also never make payments online because its not my home. I want to pay off my mortgage but if I do who owns my house?
Product: Debt collection

XX/XX/XXXX Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and nonverbal per 15 U.S. Code 6802.

As a federally protected consumer Per 15 USC 6801 states that it is illegal to report transaction history. This is because Congress has a policy that financial institutions must protect the security and confidentiality of their customers ' non-public information and respect their privacy. 

As as Federally protected consumer my privacy rights are being violated under the PRIVACY ACT OF XXXX As a federally protected consumer according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and Im requesting for the account to be updated payed as agreed
Product: Debt collection

This debt was already paid for in XXXX, we already settled all our debts before my family went out of the country, to stay abroad for some time, while the pandemic was happening. 

On checking my credit score, I've noticed a collection from Amsher Collection Services opened XX/XX/2021, updated XX/XX/2021. 

This can not be true, as I stated, I was out of the country, and the service I had at the time, credited by XXXX XXXX XXXX, was long disconnected and paid for.
Product: Checking or savings account

The account I currently have with chase Bank ending in XXXX has been restricted without recourse and I have no indication on the release of funds. No information has been given and these funds are pertinent.
Product: Debt collection

I received a letter from a Debt collection company ( National Credit Systems Inc. on XX/XX/2019 in the amount of {$390.00} for XXXX XXXX XXXX XXXX XXXX. I am the victim of Identity Theft and have filed a police report which I will be attaching. I have sent a letter disputing these charges on XX/XX/2019 and they sent another collection letter in XX/XX/2019 and responded by sending another letter disputing the charges on XX/XX/2019. I am currently in the process of responding with a third letter with a copy of my police report.
Product: Credit reporting or other personal consumer reports

I felt a XXXX in XXXX and it was included in the XXXX I have evidence that it was and in XX/XX/XXXX it was taking out of bankruptcy and they started garnishing my check. I notice on the credit report the date was changed from when it was I had the loan he said I had it in XXXX when in reality it started in XXXX of XXXX. I'm showing experience all of this and they still said because the company said I was wrong then nothing changed on my report. They're not accepting my evidence that's 100 %, when it's off their website. They've been doing this to me a lot of times in the past and either they say we can't tell you what the internet and you got to call or they said they're going to send me a letter in the mail I never receive anything being ever call. I think they're misusing the rights right now and I don't like this cuz my credit has shut down and I've been put in a bad spot now where I can't even get a new car because my credit score.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the co

mpany/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30-days late marks which is a clear violation
of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act has been infringed upon by XXXX  about Account Number XXXX, thereby violating my rights. 

According to 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy rights.

Furthermore, under 15 U.S.C. 1681, Section 604 ( A ) ( 2 ), it is stipulated that a consumer reporting agency is prohibited from providing information about my account without receiving my explicit written consent.
Product: Credit card or prepaid card

Im having trouble logging into the online account for an XXXX store card ( Synchrony Bank ). They locked me out because I cant access my old phone for SMS verification and they dont want to accept my new phone number. Thus I have no way to pay my bill.
Product: Mortgage

Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties.
Product: Student loan

For more than 10 years, I have been pursuing Public Student Loan Forgiveness ( PSLF ). Prior to the end of the special waiver period for student loans on XX/XX/XXXX, I submitted two documents : a consolidation request and an updated Employer Certification Form ( ECF ) in order get updated payment count ( MOHELA shows this as received XX/XX/XXXX ). At this time, my loans were transferred from MOHELA to XXXX ( payment received by MOHELA XX/XX/XXXX ) while my PSLF application was processed. For MOHELA, my PSLF form began showing as processed sometime in the last two month and included a note ( now removed ) that " a notice has been sent '' but I received nothing and my calls to MOHELA customer service indicate they don't have this on file. Since that time, I have heard nothing and it has been 6 months since my application. I currently show no payments counts toward forgiveness, so I have no idea how many more payments I have to make. I have made multiple calls to MOHELA and have gotten no additional information other than " everything looks good '' and " it take 90 business days to process. '' No one can tell me my status, how many payments I have or where I am in the queue. This is having a significant impact on my life- I have filed a XXXX tax extension, are my filing decision ( married filing jointly or married separately ) is largely based on where these loans are in the forgiveness process ( my counts ). Along the same lines, I don't feel like I can search for new employment or better opportunities without knowing if I have met the 120 payment requirement or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my XXXX, XXXX and Experian account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've addresses as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.