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

On XX/XX/2024, I deposited {$8500.00} cash into Bank of America ATM XXXX located at XXXX XXXX XXXX, XXXX, CA XXXX. Earlier that day, my brother, XXXX XXXX, cashed a check at XXXX XXXX  located at XXXX XXXX XXXX, XXXX, CA XXXX, also in the amount of {$8500.00}. Immediately following this, we traveled one mile to the Bank of America branch at XXXX XXXX XXXX, XXXX, CA XXXX, where I deposited the {$8500.00} cash into the ATM. 
Unfortunately, upon deposit, I received an error message from the ATM indicating, " Theres a problem with this machine. Were sorry, but we cant return your cash. '' I promptly visited the branch to seek assistance, but was directed to contact ATM/Debit Card Servicing , who informed me they were unable to assist with the matter. 
Initially, a credit of {$300.00} was issued on XX/XX/2024, and the remaining {$8200.00} was credited to my account on XX/XX/2024, totaling the amount of the cashed check, {$8500.00}. However, I was surprised to discover on XX/XX/2024, that Bank of America debited {$2000.00} from my account, claiming the initial deposit on XX/XX/2024, was only {$6500.00}. 
I wish to emphasize that I am absolutely certain of the sequence of events : the check was cashed at XXXX XXXX  for {$8500.00}, at XXXX on XX/XX/2024 and immediately afterward, {$8500.00} cash was deposited into my Bank of America account at XXXX on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX AV XXXX, NY XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know hard inquiries on my credit report without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Some inquiries on on my report twice.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom to may concern, I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the Zelle platform.
Product: Debt collection

I am a victim of Identity theft this fraudulent XXXX account with an outstanding balance of {$300.00} was opened without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX complaint marked as duplicate by this fraudulent crooked company but EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Checking or savings account

I am a victim of identity fraud since 2017. Most recently I have had fraud charges show up multiple places. As a result we had overdraft charges and navy Federal is not refunding the account for 8 or 9 {$29.00} charges. Also I have been charged XXXX 5 times for a new debit card that they keep canceling without my knowledge. I am not sure if its a security feature due to my fraud alerts but the account should also be credited. I have on numerous occasions went to use my card and the card has been deleted. Between the overdraft charges and the debit card charges it is over {$300.00}. We are already in a terrible place because of the identity fraud and could really use some help understanding. Thank you
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

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

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

XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/2021, I contacted Bank of America seeking assistance in getting a duplicate mortgage payment that my credit union ( XXXX  ) had mistakenly sent. An automated Bill Pay transaction was sent on XX/XX/XXXX ( early because of XXXX XXXX XXXX ) and again on XX/XX/XXXX -- for a XXXX mortgage payment. When I notified XXXX on Friday, XX/XX/XXXX, they attempted to " stop '' the automated transmission, they advised me to contact BoA for a refund. BoA mortgage customer service and electronic services told me to have the credit union fax a statement acknowledging that the {$2200.00} had cleared my account. I provided the BoA fax number and XXXX confirmed the fax was sent and told me to allow BoA 3-5 business days. When I contacted BoA on XX/XX/XXXX they said the fax did not look legitimate, it was not on letterhead, did not show a transaction balance and they rejected it. But they did not contact XXXX nor me to advise us of the issue. When I asked BoA if it could be counted for the XXXX mortgage payment, they told they had already done that and my next payment would be XXXX. Without checking with me on this option in advance, I was expecting BoA to credit it to the principle. This inconvenience forced me to transfer funds from my credit union savings to checking to ensure all expected deductions would clear properly. I communicated with BoA AVP Resolution XXXX XXXX Escalations for Mortgage Vehicle Service on XX/XX/XXXX and did not get the response I was expecting.There is a communication problem here on how electronic payments are handled. My credit union told me that BoA has a policy to not talk with them about client electronic issues when they have attempted to call them in the past. I don't think BoA acted in good faith in trying to assist me in getting a refund in a timely manner ( between XX/XX/XXXX and XX/XX/XXXX ). Where was the ball dropped? In Customer Services? Electronic Services? What checks and balances are in place to prevent this from happening to another BoA customer. With XXXX and other hackers attacking business and financial accounts, I would think there would be a better protocol for both banks and credit unions to ensure quick recall or correct of electronic transactions is in place. Thank you.
Product: Debt collection

The Complaint that I have is with MIDLAND FUNDING LLC. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with MIDLAND FUNDING LLC. I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
Product: Checking or savings account

Citizens Bank limits the ability of consumers who have difficulties communicating via telephone to communicate with the bank since it does not allow consumer to properly respond to the written messages from its customer service by imposing severe liitations. 

Today I attempted to respond to a message from Citizens Bank with the following information : Note attempted to be send to Citizens on XX/XX/2021 '' 'The account XXXX has a monthly fee, so I would really appreciate that it is closed NOW. 

I am not able to delete the repeated transfer that I had previously scheduled to be made every month that now has the next instance set for XX/XX/2021 since I do not see it in the list of " Scheduled '' transfers. Please remove this transfer or, if you also do not see it, report the problem to Citizens Bank. 

Thank you -- -- -Original Message -- -- - Dear XXXX XXXX Thank you for your reply. 

We have processed your request to close your account Once a savings account reaches 60 calendar days at zero, it will terminate on the 61st calendar day ; a terminated account can not be reopened. 

Please note, closed and terminated accounts will continue to appear online until they are removed from our systems. In the meantime, you are able to hide this account by clicking on Settings which is located on the right just above the list of your accounts, on your My Accounts page. After clicking on Settings, check off Hide to the left of the account you wish to hide. 

To cancel or edit an online transfer, click on Transfer Money on the top or on the left of your online banking My Accounts page. 

On the next screen under Recent transfers click on edit or delete to the right of the Scheduled transfer you wish to edit or cancel. 

Click on delete to the right of the Scheduled transfer you wish to cancel, and then choose your option ( Cancel this transfer or Cancel all of these transfers ). If you wish to edit the transfer, click on edit to the right of the Scheduled transfer you wish to edit. On the next screen, choose your option ( Edit this transfer or Edit All These Transfers ). 

If you have any further questions or concerns, please call our Customer Service Center at XXXX and a representative will be happy to assist you Monday Friday XXXX XXXX and Saturday Sunday XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX XXXX XXXX ' When trying to submit this message I received the following notification : 'Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. 
Go Back '
Product: Credit reporting or other personal consumer reports

This is in continuation of a previous complaint that I have submitted with Equifax, CFPB complaint number is XXXX Additional complaint is being submitted because Equifax did not resolve my problem and they closed the CFPB complaint without confirming with me first. 

The response from Equifax on this complaint, XXXX, states that I should mail in proof of my ID, address, date of birth, driver 's license, and pay stub. 

Please note that All of the above documents have been mailed to Equifax and I have XXXX confirmation saying they were received. XXXX confirmation/tracking number is XXXX. Latest update on this transmission says below - Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> in XXXX, GA XXXX. 

Delivered, XXXX XXXX XXXX, GA XXXX XX/XX/year>, XXXX XXXX
Product: Checking or savings account

Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account
Product: Credit reporting or other personal consumer reports

Capital 1 the account was charged off back in XXXX of XXXX. At some point my credit card that only had a {$500.00} credit limit was used to make a {$5000.00} purchase I know nothing about. When I called to see why they said my card was used at a car rental I told them it wasnt me especially since it was used in another state I never been. I checked my account to see the information was updated XX/XX/XXXX and its on my credit report still.
Product: Checking or savings account

I contacted cash app app on XX/XX/year> because my account was being hacked at XXXX in the morning. They told me the would freeze my account to investigate. My taxes were deposited in my account in XX/XX/year> XXXX. During there investigation they closed my account and I have asked for ALL DEPOSITS BE RETURNED TO SENDER. Cash app credited my account the money the was stole from my account I just havent received access to the account. They told me make a new account and I can receive funds but I cant make a new account because it tells me my account was closed.
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery LLC doing business as Genesis placed an item on my credit claiming that I owe {$1200.00} for a unresolved debt with a property called XXXX XXXX. The apartment was not in my name but in the name of XXXX XXXX XXXX who I happened to be dating at the time. She received a bill solely addressed to her. The lease was in her name but ended up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft so I filed an identity theft complaint with the FTC and I also went down to the police station to get a police report, after that, I sent this information into all three bureaus and the collection agencies. As a result, every company deleted all fraudulent accounts except Experian, they deleted some things but not everything. According to section 605 B of the FCRA, if there's a dispute letter attached to a police report, the credit bureau has to automatically delete the items, but Experian haven't so, therefore, they are guilty of willful non-compliance. This company left these things on my credit report. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Product: Mortgage

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This PHFA company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Checking or savings account

I tried to access my account and there was no access. Then I went home and there was still no access. So I called and was told that the Fraud department put everything on hold. However, the person I talked to said she could not do anything about it, only the Fraud department can. So I asked to be transferred to the Fraud department and she said they are not available until Monday. And it's Sunday right now. The issue I have is that it's perfectly ok to protect account by blocking access when fraud is detected but in our cashless world it's not ok to then not have a way to resolve the problem except during banker 's hours. I don't carry cash and use my atm card for everything. They should have an " after hours '' way of accessing the funds.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information to my consumer profile and I have made them aware of this for the past 7 months since XX/XX/XXXX. This is regarding a XXXX  XXXX XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to 30 days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Transunion responded back by updating the account information as verified. 

Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the 15 day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the 15 days, which is a VIOLATION of the FCRA! 

So around XX/XX/XXXX, which was well over 90 days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant FICO score increase. 

But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING untiXXXX XXXX XXXX XXXX? How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! 

At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!
Product: Debt collection

Daily phone calls, no messages left. Calls start at XXXX and continue until XXXX.
Product: Credit reporting or other personal consumer reports

I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, in fact exists