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

My Bank of America account was compromised I live on XXXX and I also am the XXXX for my daughter and grandson both of which are on XXXX somehow my BOA account was accessed without my permission. This is the second time since XX/XX/2023 Ive had random unauthorized charges in my account BOA is telling me I have to pay the first disputes they credited from XX/XX/ by XX/XX/ 2 days after receiving this notice my account was almost completely depleted. I filed disputes with boa and they completely restricted my accounts all our XXXX funds are in these accounts we have no way of paying are rent buying groceries. Also phone bill is due so we cant pay that either I am a victim of fraud and boa is treating me as if I am the one who caused this to happen I am in a desperate situation to recover all my stolen funds and need someone that can help me please
Product: Checking or savings account

I Deposited a check in the amount of {$690.00} from my XXXX on XX/XX/2023 to my Current/Choice XXXX XXXX account XXXX Today is XX/XX/2023 and I am told my funds will not be available until possibly XX/XX/2023. The check is good and it was an emergency withdrawal from my XXXX. I was told Reg E is not followed by this bank for deposits and only disputes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 U. S. C. 1681 Section 602 A states I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Section 609 of the Fair Credit Reporting Act outlines consumers protections regarding disclosures. It requires credit reporting agencies to provide consumers, upon request, with information in their report, including : Details, including dates and contracts, on any opened or closed account on credit reports at the date of the request A list of all parties that made hard or soft inquiries on account over a 12 year period All source information linked to each item on the credit report.

I requested a break down of my credit score since my credit was establish however they can provide me with the information. Their reporting directly affects my ability to be approved for credit cards. Home and business loans. They have no way to tell me when I turned XXXX to now if my score was XXXX or XXXX. There is no way to see or correct any mistakes
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Debt collection

Back in XX/XX/2019 I had all my personal information stolen. I had to reorder all new information such as my social, my driver license etc. Months later I started to receive collection calls, being I've never used my credit but once I ignored it for over a year. I slowly noticed my credit change, and then drop a crazy amount. I then started to see the amounts were not only changing but increasing from $ XXXX {$15.00} more additional dollars resulting in my credit dropping even more. I then called back once I receive a really long detailed voice mail about being sued for the matter, I instantly called back to IQ DATA INTERNATIONAL and was told I had a charge of over {$10000.00} on my debit and that there was MULTIPULE debit collections being proceeded in my name. I questioned how I was responsible if I was never to have known about it, they clarified yet again I was in charge and to connect with the original individuals who were trying to collect. I proceeded to do just that, XXXX informed me that since I was being sued and that it was already sent over I had to continue to pay it. I then called " XXXX XXXX '' and they informed that they had went under new management SEVERAL times and had since lost documentation and was unable to provide me any information on to why the company was charging a charge like such. I also had a charge from IQ DATA INTERNATIONAL that was never explained further with it being " {$1000.00}. '' I got in contact with XXXX and XXXX to result the matter several times. Unknown to the fraud situation I failed to report, but was told recently by the companies to report the company as fraud and that my personal information was stolen for them to resolve the situation and proceed to take it off my credit properly since the credit remarks states " Account information disputed by consumer, meets FCRA requirements. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint regarding two accounts XXXX is reporting. I have sent disputes to XXXX multiple times reporting the errors in their reporting but somehow XXXX continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and LVNV is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to XXXX that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, XXXX does not even acknowledge my disputes. I have requested validation from XXXX and LVNV and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does XXXX have to report these accounts? And if XXXX has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is XXXX continuing to report these accounts if they have not and can not be verified? And why has XXXX completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold XXXX accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided XXXX the information to make an educated decision. I am also including LVNV in  the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. LVNV has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both XXXX and LVNVs false reporting have hurt my credit substantially.
Product: Debt collection

The call comes in as Fifth Third Bank. After receiving a zillion calls from XXXX, I blocked the calls and turned them in to the DoNotCall registry. They are coming in early morning, late night and even on Saturday and Sunday. So I finally called the number on XX/XX/2019. The first thing they do is ask for personal information. I told them I don't have or have never had an account with Fifth Third. They continue to try and get my social security number and I refuse. If I even had the debt, they should have that information. I received no more calls on XX/XX/XXXX after asking them to remove my number from their data base and to not call me anymore. Today, XX/XX/2019, they are calling again but with a different number, XXXX ( XXXX XXXX and XXXX XXXX )!!!!! 

This is annoying to say the least. They don't bother to leave a message. Just calls and hang-ups.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a card approval. The account listed below is not mine. I sent in multiple letters that I attached here as proof. I haven't received any feedback about my complaints. I don't understand what is really happening? Your help is so much appreciated. 

XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my employers check for the past 3 years once a month. I have deposited thru the ATM and usually a weekend I have funds available on Monday or Tuesday. I deposited check from my employer ( happens to be a XXXX ) drawn on a local bank and the ATM put a 3 day hold which I was not expecting. Deposited on Sat XX/XX/18 and funds not available until XX/XX/18 by XXXX XXXX  Is this a new way of B OF A sticking it to the people that have had the same practice of banking for the past 15 years. Now, not aware of this hold until after I had done some online payments, I will now be charged NSF fees. Fees should not occur to the member during this time. I called the bank and rep just said I was aware of fees when I opened the account and time of disclosure. A real help in my case! I don't know if anyone else is starting to have this issue.
Product: Credit card or prepaid card

On XXXX I lost my mom. I'm one of the oldest of my siblings. I had to incurred with a lot of the cost to give her a proper burial. Between XXXX and XXXX I encounter a lot of life changing situation that set me back on my payments. Since that traumatic event I was able to get my life in order. I have made all of my payments on time since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written in to all three major credit bureaus since new public law and child support reporting law was passed back in XX/XX/2017 to have child support removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; Creditors XXXX XXXX XXXX # : XXXX ; Medical bill # : XXXX, XXXX # : XXXX these accounts have not been verified or invalidly reporting due to inaccurate information and not belonging to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, there was written correspondence ( Commercial Affidavit ) sent to the XXXX XXXX XXXX Equifax, XXXX. I explained very thoroughly about the information within the Consumer Credit File was incorrect and needed to be removed IMMEDIATELY, as it was causing major harm to a Federally Protected Consumer. It is denying me the RIGHTS that are granted to me to secure what is needed for family, personal and household purposes. I also included the account information that I wanted to be removed because the information was wrong and the third party debt collector had no verification or validation that the alleged debt was owed but Equifax XXXX XXXX decided to furnish the information anyways without any prior written consent and pursuant to15 U.S. Code 1681b - Permissible purposes of consumer reports they are in direct violation. I gave notice of my fee schedule for Equifax, XXXX being willfully noncompliant by furnishing consumer credit files that are misleading and false. I have attached the letter that was mailed and also an invoice.
Product: Mortgage

Applied for a refinance, they checked my credit and took all my info. I asked if they could do a lower rate but they could not, so I said it 's ok, send me my loan estimate anyway, and they would just not send the estimate. This is the 3rd business day since I applied, so I tried calling and emailing again, finally they sent me a preview of one page of the loan estimate, and this does not include the rate quoted.. I asked for the other page but again, no answer.
Product: Payday loan, title loan, or personal loan

This payday lender accepted a fraudulent application online. The scammer used my personal information to apply. I received an email to continue or finalize an application I didn't apply for. They are not verifying identities of applicants. 

Being that I am a victim of identity theft, I created a system to give creditors pause before accepting any application not verified by proper identification.
Product: Mortgage

I have been trying to make arrangement to get our mortgage caught up since XX/XX/XXXX ; however, SPS Servicing company has declined to help us in any way. I have sent them checks in the mail, and they just return them to me, stating that they are not sufficient in the amount to resolve the dispute? I requested to make two payments, to spit up the difference to make it little easier on us to get the payments caught up, but again, they refuse to work with me. We have been in our home since XXXX ; and have a family who we are trying to raise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit card or prepaid card

XX/XX/2021, scammer hacked into professors email account and posed a research opportunity. First task did not involve money and appeared legitimate. Second task involved money. Asked to buy 3 gift cards at XXXX worth {$250.00} for the the research companys web fee based subscription online survey task. Money was subsequently used for scammers own benefits
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts.

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit?

I also have an account XXXX  which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? XXXX Was 30 Days Late 9 Time ( S ).

Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ), XXXX Was 30 Days Late 7 Time ( S ). Was 60 Days Late 1 Time ( S ). Was 90 Days Late 3 Time ( S ).

TransUnion Was 30 Days Late 4 Time ( S ). Was 60 Days Late 2 Time ( S ). Was 90 Days Late 3 Time ( S ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX are moving slow on an XXXX XXXX XXXX XXXX when he started XX/XX/XXXX he said I must go to the bank to find out did he cash the checks. I told him that is what XXXX  employees told me and to make police report XXXX and on last Friday he said he still looking to find out did he cash them XXXX checks. 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke XXXX XXXX and he said This guy XXXX XXXX XXXX lying saying XXXX XXXX has clear title and is no clear title in the file and have a loan XXXX attached to your loan for XXXX to XXXX XXXX XXXX. I am also effected by XXXX XXXX data breach by XXXX XXXX around XX/XX/XXXX. 

Fiserv., XXXX XXXX XXXX are all aware of my ownership on XX/XX/XXXX as XXXX XXXX XXXX and will all in XXXX  executive office are lying saying there were a foreclosure in XXXX is a lie. Also ref. XXXX answer to his inquiry by corrupt attorney XXXX XXXX XXXX XXXX on XX/XX/XXXX, WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX , CALLS US XXXX XXXX TO PROVIDE VERBAL AUTHORIZATION. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said he found XXXX XXXX under that fake SSN number XXXX and XXXX XXXX cashed yo
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX has violated my rights XXXX5 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items despite our repeated attempts to rectify this issue. As we enter the several attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems.

Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records.

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three inquiries that are not mine and I would like to remove them this is inaccurate. 
XXXX ( XXXX  ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX military, I was XXXX overseas on military orders. I completed my XXXX and provided orders in order to terminate contract and avoid debt. An early termination fee was applied to outstanding bill ( bill that generated after I provided proof of orders for termination ). This debt is originated in XXXX, the Statute of Limitations in XXXX is 3 years for this type of debt. I received confirmation of installment cancellation through the originating creditor in XXXX of XXXX. I later received notification of debt collection on my Credit Report in XXXX of XXXX. This debt is no longer pursuable in accordance with the original creditors laws and their XXXX.
Product: Vehicle loan or lease

Hi my name is XXXX XXXX, Date of birth XX/XX/XXXX, I own a XXXX  XXXX XXXX that was recently damaged due to the natural disaster in XXXX county and have been diagnosed disabled every since.
Product: Debt collection

In regards to previous complaint against DCI Credit Services , Inc. Company responded on XX/XX/2021 to CFPB complaint stating : RESPONSE TYPE Closed with explanation Company 's Response DCI Credit Services , Inc.- a North Dakota based debt collection agency has not sent any notices or attempted to collect any accounts/debts on this Consumer. This complaint was made against the wrong company as we do not have any accounts here under the Consumer information provided. 

On XXXX XXXX DCI Credit Services, Inc pursued further attempts.

They continue to break and violate Federal Law 1 ) Claiming that no such debt nor consumer existed in their records 2 ) Continued to violate 15 USC 1692 by submitting Notice on XXXX XXXX XXXX ) Lying to the CFPB in regards to avoid investigation of the matter