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

BANK OF AMERICA LET MY COUSIN XXXX XXXX STEAL MY CARD AND MAKE A FRADULENT CHECK AND TRIED TO DEPOSIT IT, THE CHECK HAD A DIFFERENT ADDRESS AND A DIFFERENT NAME ON THERE, I LIVE AT XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ALSO THEY VERIFIED THE SUSPECTED FRAUD ON XXXX EVEN THOUGH I WAS WRONGED AND HAVE FILED A POLICE REPORT
Product: Checking or savings account

I was scammed by a person targeting elderly individuals and i incurred heavy losses and Wells Fargo made no attempt to help me recover the losses. The person that scammed me had accounts at Wells Fargo and they could have done more to attempt to recover the losses i incurred since this person was an existing customer. leads me to believe that they are afraid that they allowed this person to defraud their own customers.
Product: Mortgage

I was late on my mortgage payments and decided to sell my property, however I have a XXXX tax lien hold that I have been trying to clear form IRS as a lien hold on my house, NOW that I have finally fixed the issue and have a buyer that will buy my house AS IS, the lender Wells Fargo is NOT being cooperative and taking too long for the process plus they have put me in FORECLOSURE status and NOT willing to extend my DUE date of XXXX XXXX 2016 ... On top of HOLIDAYS!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit. I was shocked to learn I have been a victim of identity-theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately. I have attached my ftc report, please view attachments, by law I read these are supposed to be removed from my credit report 14 days after this open. I've attached my ftc report as well.
Product: Mortgage

21st Mortgage Co. & XXXX XXXX  did not pay last two claims & lied about get out owner 's ownership insurance contract. We fortunately got history of deception especially XXXX XXXX and just recent XXXX today. Contact XXXX XXXX XXXX XXXX. Have photos of numerous problems that were not addressed.
Product: Money transfer, virtual currency, or money service

Paid for course from XXXX XXXX XXXX through Paypal and received incomplete service from seller and tried to dispute with Paypal and was denied and contacted XXXX XXXX for refund and was left with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Credit reporting or other personal consumer reports

I have a XXXX account that appears on my credit report that has been giving me a hard time. I have been asking for verification of the account because I did not open this account and I need either proof of to see who is the person that opened this account is, because it was not me and their verifying saying that it is verified as mine so I want to see the proof because I did not opened that account if they can not provide me proof I need this account removed immediately. 

XXXX, XXXX. 
Account # : XXXX Also, after writing my last dispute and sending it via certified mail with return receipt, I failed to get a response within 30 days
Product: Credit card

Im not able to access my statements. I need to know how previous payments have been applied. I need to know upcoming cutoff dates for deferred interest to avoid unnecessary charges. My most recent attempt occurred this morning.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and immediately noticed that i had late payments on accounts they were never late or open on multiple days of the month. Consumer reporting agency have a vital responsibility to report Consumer information the best of their ability with Maximum Accuracy, i have never been late on XXXX XXXX XXXX ACCT # XXXX. Please investigate and proof with statements showing these payments were. If proof cant be provided i demand these payments to be updated to on time as they should be as i was NEVER late. Thank You
Product: Credit card or prepaid card

We ( my wife is the primary on this card, and I am a cardholder ) had XXXX points in the Chase Freedom Ultimate Rewards program, the equivalent of {$3500.00}. I went online to redeem these points for the purpose of paying my account on the due date, an option that was listed. My points were immediately removed and my balance reduced to XXXX points. There is no indication online that the transaction is pending, so I called to ask if an agent could confirm any of my payments. She said she was greatly concerned because she saw conflicting information, and she transferred me to an " escalation leader, '' ( XXXX XXXX XXXX who stated that it might take up to three days to receive credit, and that the points nor the transaction would be visible until they credit the account. Similar disclosures are seen when paying with a checking account ... the transfer might not actually take place for a few days, but you are credited for paying on the day you initiated the transaction and not charged late fees or interest as a result. My complaint is that they immediately took my points ( which they kept inhouse and are being used to pay themselves ), brought my {$3500.00} balance of points to XXXX but are not crediting me with paying the points or making the transaction until such date ( 2-3 days ) that they choose to credit my account, and told me they will charge any ensuing interest on that amount for the days between when I paid the points and whenever they get around to crediting them to my account. They automatically and immediately took my points/money, and there is no reasonable policy that should be permitted to withhold credit the moment they take my cash equivalent payment ( or at least make the payment retroactive to the date the points were surrendered ). I essentially handed over {$3500.00} without receiving even so much as a receipt or an online acknowledgment of the transaction. Only an upper tier " escalation manager '' can even find the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681a ) ( d ) ( 2 ) Consumer Report- Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Despite the Law, XXXX continues to report " Transactions '' and " late payments '' on XXXX XXXX XXXX to the report.
Product: Checking or savings account

On XXXX XXXX my accounts were closed and I was instructed to go into the branch and verify my identity which I did. And once there had to open 2 new accounts which few days later were closed as well. I was told the accounts would be fully closed on XXXX XXXX and then again XXXX XXXX. Then when I phoned again on that date was told XX/XX/2022 the accounts would fully close. The accounts wound up being closed XXXX XXXX and payment was supposedly mailed out on XXXX XXXX. When I called on XXXX XXXX I was told I would receive the check by XXXX XXXX. I phoned in again on XXXX XXXX due to check not being received and was told to wait till XXXX XXXX. On XXXX XXXX I phoned in again and was told they dont issue stop payments and either I would have to wait for the check to expire out in 100 days or be returned to them before a new check would be sent. This is way too long to keep waiting on money that they closed an account for after banking with Bank of America for 21 years. Before the funds were sent out I offered to pay for the check to be overnighted and was told no. I also had a request processed to pick up a cashiers check from the branch to be denied. This is unacceptable to wait months for your money when you have done nothing wrong.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I XXXX be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This information is unauthorized As followed Name : XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX Illinois XXXX, Inquiries XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to normally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting defiant issues with the platform.Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims Inadequately. They informed me that covering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable of scams.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Be Blocked and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND ON XXXX AND XXXX THERE IS AN INACCURATE LATE PAYMENT! 

I WAS NEVER LATE ON 2020 XXXX! 

PLEASE HELP! I HAVE SUBMITTED A PREVIOUS CFPB REPORT TO THE BUREAUS AND THEY HAVENT HELPED AT ALL! ~
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to Claim Number XXXX Account Number XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX With reference to Claim Number XXXX XXXX XXXX XXXX ( collectively XXXX ) was ordered by The Consumer Financial Protection Bureau to provide relief as part of a consent order. 
As a part of the above mentioned ordered XXXX was ordered to request the credit bureaus to delete all trace lines related to disputed accounts. 

Please be advised that remnants of this disputed account is still a part of my Experian credit record. 

I have written to Experian requesting that the account be deleted, but to no avail. Thus I am submitting this new complaint to have this issue resolved once and for all
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024, I fell victim to a multi-layered scam operation that involved me making deposits for a total amount of XXXX XXXX from my XXXX  XXXX XXXX account to PNC Bank at the instructions of the scammers.
Product: Debt collection

My name is XXXX XXXX, I got a payday loan In XX/XX/XXXX or XXXX 2024 for XXXX XXXX I had a big emergency with my truck. I agreed to pay the loan back and I have been paying on it every payday since I received the loan. Well Today I sent them a message as I always do, asking for an arrangement to skip XXXX payments and pay all XXXX payments on the XXXX of XXXX, well I was sent back a very rude threatening message from XXXX saying that they would file suit against me in court and garnish my wages. All because I asked for a payment arrangement. She sent the message in caps and explanation points. So I responded to her letting her know that I'm not asking not to pay I'm asking for an arrangement. I am already paying over the XXXX $ amount at paying XXXX $ a month for a XXXX $ I should be almost paid back but no they are charging predatory interest rates. So I am still going to pay what I owe but I needed a payment arrangement. Now I am being threatened. I would like to speak to someone else in the company, because I wasn't rude or disrespectful, with anyone. I didnt know you could not set up payment arrangements.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke tXXXX XXXX XXXX  cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with Transunion and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my XXXX report from XX/XX/XXXX. XXXX has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my XXXXXXXX  credit report. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

This credit check was done without my permission. Please take it off my credit report. 
XXXX XXXX : XXXX XXXX, XXXX FTC Report Number : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX FTC Report Number : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four inquiries that have passed the removal date without being removed! 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Again - this is effecting my credit score!
Product: Debt collection

My application was denied by XXXX XXXX XXXX, 15 U.S.C.1691 its unlawful to discriminate in any aspect against anyone who exercised Their Right in Good Faith. Credit is the right Granted under title 1602 ( f ). XXXX  is however in XXXX with XXXX XXXX, 15 U.S.C. 1666b if there is a balance of credit or insurance of the Account in connection to a Consumer Credit Transaction with a surplus over XXXX dollar, this account should be credited in the amount of the credit. The amount can not be known without knowing the journal and ledger, entries of the account from the date of account opening as described in Publication IRS 583, XXXX  is in fact a debt collector. 18 U.S.C. 894 ( a ) ( 1 ) ( 2 ) collections of extensions of credit by extortionate means. If XXXX  can not provide me the Information Im required to have, Please Remove from My Consumer Report.
Product: Debt collection

Midland Credit Management : I recently received extra money to pay off outstanding debts. I went to the collection company website, found the information I wanted to pay off. The amount on the debt was {$700.00}, it showed a settlement offer of {$410.00}. On XX/XX/2020 I paid the {$410.00}. 5 days later nothing was posted to my bank account. I sent a message asking why the payment is delayed, says on the website it can take up to 1-2 business days. XX/XX/XXXX is 3 business days, XX/XX/XXXX would be 4.  Nothing changed no response from the company. 8 days later XX/XX/XXXX I called and spoke with XXXX was speaking to me from XXXX. XXXX first said the payment was returned NSF, after explaining how I was currently looking at my bank account, it has no record of the NSF. XXXX then proceeded to explain that before I could pay the settlement offer I had to decline my dispute on the 2 other accounts, these accounts are over 10 years old, I  said this account that I agreed to pay has nothing to do with the other accounts. I said your company offered me a settlement I accepted this offer. XXXX again explains he can not help me until I agree to remove my dispute, I said is form of blackmail and fraud to offer a settlement then not agree with it. XXXX hung up on me. I then proceeded to call my bank, asked them if any charges from XX/XX/2020 to XX/XX/2020 were returned for NSF, they had no record of any transactions with a dollar amount higher than {$400.00} was attempted. At no point did this company attempt to pay the settlement offer. During the phone with XXXX, I asked can you send me the information showing the was NSF, said he could not do that it was against company policy, that I would be sent a letter with 7-10 business days, nothing showing this information has come in the mail. I sent 2 emails, asking for them to accept the settlement offer that I agreed to pay. Nothing no response. As of this day XX/XX/2020 no information has been sent, no payments have been attempted. When I go back online and look at the account, its blocked out for me to pay, it also shows the same day I paid XX/XX/2020, they declined the amount of {$410.00}. This company should not have settlement offers listed if they are not willing to comply with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  XXXX ). These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.