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

On XX/XX/2022 I received a text message from BOA asking if I had made a charge to XXXX for {$430.00}. I did not so I answered no, the next text said I would receive a call from BOA. A gentlemen called using the name XXXX XXXX from a spoofed BOA number that was Verified by XXXX XXXX, he claimed to be a BOA employee. He said the purchase to XXXX was made in Texas and I said I was in IL. then he said someone by the name of XXXX was trying to process {$3500.00} in XXXX transfers from my account. He said he could walk me through reversing the transfers. He asked that I create an account using my middle name and the first three letters of my last name and he would give me a transaction number,. Of course now I realize that translation number was a phone number. He had me transfer {$1700.00} from my checking and the remaining {$1700.00} from my savings. He tried to take more but it would not go through. He also said he would call back the next night in case the person was trying to take more. the next night his number came in as the BOA customer service number and I did not answer. I believe for him to know I was a BOA account holder and my phone number there had to have been a bank data breech,. BOA will not do anything to return my money since they feel they did not make an error, but between BOA, XXXX and XXXX the bank where my money was transferred to, there has to be an error in this entire process. Of course now I have received multiple emails from BOA talking about this zelle scam, where have they been to protect their customers prior to now. I don't use XXXX so didn't know how easy it was to send money or how there is nothing to reverse it. If you are not going to protect your customers then why are you offering it as a service., also BOA says to call when this happens and I have not had a wait time less than one and a half hours to talk to a BOA rep most of us do not have this time to spend. I have many notifications on my BOA account because I have a business account linked to it, so it is not unusual to have then contact me about a purchase, plus with a business account and I am more likely to do whatever I can to prevent a fraud purchase. I do not feel that BOA has protected my money for the fees I pay them and for almost 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law. This complaint is not sent in error. Inaccurate damagaing information is being reported about me on my credit report. I am seeking compensatory damages for these violations.
Product: Money transfer, virtual currency, or money service

I am trying to withdraw funds from my PayPal account and apparently my account is frozen because of some crypto currency transactions that I made. The crazy part is that I have only made 2 crypto currency transactions in my life, both of which were through their website. I bought XXXX dollars worth of the crypto currency back in XXXX and then sold it 2 days later because it had already fallen to a value of {$27.00}. Then I was paying off a purchase that I had made in XXXX of this year and it was their pay in four payments deal that they have. Well on the final payment I decided to pay it a little early to just get it over with and then they went ahead and automatically took my payment out of my personal bank account. I figured it was a mistake so I waited a couple of days and then it popped back up in my PayPal account as a refund. It is only {$83.00} that I am talking about here but it is the principle that they shouldn't be able to just decide to hold people 's money when they feel like it. I went to log on and transfer the money to my main bank account and was informed that my account was frozen because of transactions on my account that are out of normal pattern, and then in another conversation I was told that it is because of the crypto currency transactions that were made 100 % through their site. Please help?
Product: Credit reporting or other personal consumer reports

Equifax has been asked to run Correct FCRA dispute for XXXX, XXXX and XXXX. These accounts have already been ran with XXXX and correctly removed. Equifax has been provided with the correct information and yet still refused to run correct disputes. Attached are the files removed from XXXX as they should be removed by Equifax as well if they ran the correct disputes
Product: Checking or savings account

Purse was stolen out my car after being broken into. File police report after realize what happen. I bank card was stolen along with other sensitive information. File a claim with TD bank provide police report and any other information they ask for. Was denied claim and was told be the bank they can't provide that it is fraud and my account is new so there is nothing they could do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion, XXXX and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Transunion, XXXX and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Transunion, XXXX and XXXX need to comply with the law.
Product: Debt collection

After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from CitiBank to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to CitiBank, but never received a final statement from CitiBank. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to CitiBank that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from CitiBank. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both CitiBank and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but CitiBank refuses to honor their side, and I need assistance with getting CitiBank to get them to honor their agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my Equifax credit score plummeted by -XXXX  points! However there had been no changes to my Equifax credit file except for the XXXX  point drop to my Equifax credit score. 

On XX/XX/2021 my Equifax credit score dropped -XXXX  points. The only changes to my Equifax credit file actually shows a DECREASE of {$770.00} to one of two credit card accounts of which accounted for over 50 % + of all debts owed and brought my debt/income ratio from 100 % down to 54 %. If anything this should of had a positive impact on my credit score
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX
Product: Credit card

I have XXXX credit cards from Capial one bank. I requested to upgrade one of them from XXXX to XXXX. I revived XXXX cards. I contacted them and requested to keep the current card they said ok and everything good I can use my current card. When I login to my account I see the XXXX cards are XXXX. So I called back and they told me I have to activate the XXXX card and they ca n't give me the same offer again or make any change before 6 month. 
I refused the changes and they told me they are going to fix it. More than month passed since that happened and no changes happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Product: Credit reporting or other personal consumer reports

Dear Equifax Representative, I am writing to formally request the removal of fraudulent accounts, unauthorized inquiries, and inaccurate personal information from my credit report. Enclosed is a copy of my FTC Identity Theft Report, reference number XXXX, which documents the identity theft I have experienced. 

After thoroughly reviewing my Equifax report, I discovered several fraudulent, and incorrect personal details. The report lists incorrect employers under my name, including XXXX XXXX XXXX, and reflects an unfamiliar address at XXXX XXXX XXXX, XXXX, LA XXXX. Additionally, I identified numerous unauthorized inquiries and fraudulent accounts opened in my name, which include the following : XXXX XXXX XXXX XXXX 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 entries are the result of identity theft, and I am requesting that Equifax immediately remove the fraudulent, inquiries, and inaccurate personal information from my credit report. I also ask that you place a fraud alert on my file to help prevent further unauthorized activity. 

Please process this request promptly in compliance with the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter and look forward to receiving confirmation that these items have been removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX
Product: Credit card or prepaid card

On XXXX XXXX I received a text alert regarding purchases made on my ADP/Wisley bank card I did not make. I immediately called my bank and informed them of the fraudulent charges. There was XXXX in total. XXXX of the XXXX charges were resolved. However, the other XXXX were not. The bank ( ADP/wisely ) concluded they were not fraudulent. All XXXX charges were made the same day within an hour or so of each other. The fraudulent charges were made with a company name of XXXX XXXX XXXX XXXX the description on my bank account is XXXX XXXX XXXXXXXX XXXX for the amounts of {$100.00} and another charge same description for the amount of {$76.00}. 
My case number with my Wisley bank is. 
XXXX
Product: Debt collection

NCA collection agency says I owe a debt opened up XX/XX/2019 in the amount of {$2100.00}. NCA claims the original debt belongs to XXXX XXXX. I have called XXXX XXXX because I have never had any loan with this company. XXXX XXXX claims that they have no knowledge of the debt due to it being opened in Illinois and they no longer exist in illinois. I called NCA collection agency and requested they send me documentation for proof of me ever having this account and NCA refuses to fo do. Every time I dispute it they state its valid. I have never had a loan with XXXX XXXX. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I have sent XXXX different letters asking the credit bureaus XXXX, Experian, XXXX to remove the hard inquiries from my credit report since I did not authorize them, I was not successful with XXXX and Experian but XXXX did make the correction. 


The first letter was sent to XXXX, Experian, XXXX on XX/XX/ The second letter was sent to XXXX, Experian on XXXX  The third letter was sent to XXXX, Experian on XXXX  The message of the first letter was : " To Whom It May Concern : I am writing to request that the following inquiries are removed from my credit report, as I did not authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for you prompt attention to this matter. I would appreciate an updated copy of my credit report once the inquiries are removed. 

Sincerely, " I have called them explaining the situation multiple times and they claim that they can't do anything to help me. 

For this reason I am filing a dispute, I need help, thank you.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries are on my credit report, which are impacting my credit score. Please remove them.
Product: Credit reporting or other personal consumer reports

Violation of the Fair Credit Reporting Act ( FCRA ) by Experian Details of the Complaint : On XX/XX/2024, I sent Experian a packet containing seven credit disputes. I have a certified mail receipt confirming that Experian received the correspondence. After realizing that I had not included necessary identification documents ( a copy of my driver 's license, social security card, and proof of residency ), I promptly sent a new packet containing the same disputes, this time including the required documents ( a copy of my driver 's license, social security card, and voters registration card ). The second packet was sent on XX/XX/2024, and USPS Tracking Number XXXX confirms that Experian received it on XX/XX/2024. Despite these actions, Experian failed to initiate or complete an investigation into my disputes within the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681i ( a ) ( 1 ). I tried several times to contact Experian by phone, however their automated system makes it impossible to speak with someone or inquire about disputes. Under the FCRA, Experian is obligated to investigate consumer disputes in a timely manner. If Experian can not verify the accuracy of the disputed information, it must delete the items from my credit report. Experian failure to comply with this legal requirement has left inaccurate negative information on my credit profile, causing significant harm. Impact of the Violation : Experian 's negligence has resulted in negative and inaccurate information remaining on my credit report. This failure has directly impacted my ability to access credit and secure housing, as lenders and landlords rely heavily on accurate credit reporting to make decisions. The presence of this false information has caused undue stress, financial hardship, and a diminished quality of life, which could have been avoided had Experian honored its obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX  as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct my credit report.
Product: Credit reporting or other personal consumer reports

Bank of America is reporting inaccurate information on my reports and they keep reporting it. I have disputed these accounts several times before but they have failed to delete this inaccurate information.
Product: Checking or savings account

On XX/XX/XXXX, I contacted XXXX to switch the direct deposit of my benefits from XXXX XXXX XXXX XXXX to Revolut. XXXX gave me confirmation that my direct deposit information was updated and my XXXX benefit payments would be deposited in the Revolut account via XXXX XXXX Bank on XX/XX/XXXX. 

Come XX/XX/XXXX, I checked my Revolut account and did not see my XXXX deposits. I contacted support and they stated it was an issue with the sender. I called XXXX and they confirmed that the deposits were sent to the right account and they opened a trace on their end. I gave Revolut this information via the chat feature. I asked repeatedly to be transferred to the department who was investigating this matter, since customer service could not even see anything. I was stonewalled and stated I could not speak to that department and never could, which was a lie since I spoke with XXXX in the Transfer department just the previous week on a different matter with a missing transfer. 

Everytime I ask for updates, I just get blanketed copy and paste statements which provide no actual updates on where my missing {$3300.00} deposit is. I can not pay my rent, buy medication, buy food for my kids, or anything. Never once since I have been receiving benefit payments since 2008, has this ever happened when I have used a real bank. 

To not have any answers and to be told that me asking if the supposed department that is " investigating my case '' is even working over the weekend is an internal matter that can not be told to me, is beyond ridiculous and shady. 

My {$3300.00} is lost and Revolut is being really shady as far as providing actual updates as to what is being done to find and deposit my money. I am facing eviction for non-payment because I am not receiving any answers from Revolut.