23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

What happened? 
On XX/XX/scrub> 2025, I was a victim of a phishing scam that led to an unauthorized XXXX transaction on my Bank of America ( BOA ) account. The scammers impersonated BOAs fraud department and tricked me into making a XXXX transfer under false pretenses. 

Here is a detailed account of what happened : Fraudulent XXXX  Message I received a text message from what appeared to be Bank of America Fraud Prevention, stating that a XXXX transfer of {$810.00} had been attempted on my account. 
The message prompted me to confirm the transaction by replying YES if valid, or NO if fraudulent. 
Believing this was a legitimate security check, I immediately replied NO to indicate that I did not authorize the transaction. 
Fraudulent Phone Call from Impersonated BOA Agent Shortly after replying, I received a phone call from someone claiming to be from BOAs fraud department. 
The caller sounded professional and knew my full name, address, email, and partial account details, making them seem legitimate. 
The person reassured me that BOA was investigating fraudulent activity on my account and that immediate action was required to reverse the unauthorized XXXX transaction. 
Fraudulent XXXX XXXXransaction The scammer instructed me to " reverse '' the unauthorized XXXX transaction by sending the same amount ( {$810.00} ) via XXXX to a secure BOA recovery account. 
They claimed this step was necessary to block the scammers access to my funds and secure my account. 
Trusting their instructions, I followed their guidance and unknowingly sent the money to a fraudulent recipient. 
Discovery of the Fraud & Immediate Reporting A few hours later, I became suspicious and researched similar scams online. 
I immediately called BOAs official customer service and was informed that this was a well-known social engineering scam. 
I filed a fraud claim with BOA, but they denied my dispute, stating that XXXX transactions are final, even though I was a victim of fraud.
Product: Credit reporting or other personal consumer reports

I am a Florida resident and have submitted three disputes to ChexSystems regarding an inaccurate and outdated report from XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX, for {$55.00} ). My disputes were submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( confirmation numbers XXXX, XXXX, and XXXX ). Despite the legal requirement to respond within 30 days under the Fair Credit Reporting Act ( FCRA ), ChexSystems has failed to investigate or provide any results. 

I included all required identification and supporting documentation in each submission : my drivers license, Social Security card, utility bill ( as proof of address ), and a screenshot of the dispute confirmation page. 

ChexSystems failure to respond violates FCRA 611 ( 15 U.S.C. 1681i ) and undermines my rights as a consumer. I am requesting : Immediate removal of the inaccurate record from my report, A formal CFPB investigation into ChexSystems noncompliance, and Consideration of regulatory enforcement for repeated failure to process valid disputes. 

I have attached documentation to support my claim.
Product: Credit card

XXXX XXXX was the employee I spoke with. This individual stepped out of line and tried to insinuate that because I cancelled payments, despite many payments being made over the course of months and being cleared, they were able to justify putting a 26 day hold on the payment even though the account showed it was cleared a day later. 

I have closed the account on XX/XX/year> because of this conversation. The representative was rude and condescending and instead of de-escalating, made the situation worse. Capital one has the most unprofessional people working for their company. I can no longer use one of their credit cards. I'd be better off going with a higher interest credit card, because at least when you make payments with them, they allow the funds to be released. 

A rep told me a day prior that the available credit would be available at XXXX on XX/XX/year> once the payment cleared. I noticed the available credit was not available after XXXX on XX/XX/year>. This is what prompted me to call and question why. I eventually got this rude and obnoxious " XXXX '' person who was not polite at all.
Product: Checking or savings account

I received a letter dated XX/XX/2022 stating that my Bank of the West checking account, account number # XXXX would be closed effective Friday, XX/XX/2022 and that the funds in my checking account would be in the form of a cashier 's check and mailed by First-Class U.S. Mail . Thank you.
Product: Credit reporting or other personal consumer reports

This evening, I discovered some incorrect accounts on my credit report and I'm unsure of the reason. When I checked my credit report as usual, I noticed unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the inaccurate accounts remained. Due to this problem, I request that the documents I've submitted be thoroughly reviewed to ensure I won't have to worry about this again.
Product: Debt collection

This account has been disputed and it was removed from XXXX but not XXXX and XXXX. Please have removed from XXXX and XXXX also
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inaccurate information.
Product: Bank account or service

I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, GA XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Midland Credit Management XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.

According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX  out the balance of this account. 
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX  out via email. 
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. 
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. 
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. 

Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Midland Credit Management. 

Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. 

Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. 

Sincerely, XXXX XXXX XXXX XXXX and Consumer
Product: Checking or savings account

This began last fall. I have USAA for checking, savings and insurance. I used to get a text message when they noticed something possibly awry. Last fall that stopped, XXXX, I believe. They saw something they thought suspicious, sent me a text which I never got, then deactivated my card, which I found out at a store the next day. I called, found I could not register my phone, they use a XXXX digit short code. I worked with my phone carrier and verified I can receive short code messages, no numbers are blocked. I have spent more than XXXX  hours on the phone with USAA. They keep telling me they can fix it, last call was XXXX weeks ago, I was supposed to hear back, never did so I called today. They closed the ticket as resolved, they've done that before too. It is NOT resolved. The representative tried to send me a text and couldn't, that is not resolved. Had me switch to other methods but all XXXX involves a text message which I can not get from them. I have to use email, that is NOT convenient. I've more than {$70000.00} sitting with them and I NEED to be able to get text messages. This latest representative said she'd reopen a ticket and in the process of doing that, disconnected and never called back. So I searched these problems with USAA and found your process. I'm going to file a XXXX complaint too. I may well move my money to a bank that actually cares about their customers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 four transactions were processed on my cash app account {$4.00}, {$9.00}, {$9.00}, and {$19.00}. I have instant notifications for this account and was notified that the transactions were being processed and i immediately contacted them to notify them that I had not made any purchases from the merchant. XXXX was used by the fraudster to conceal their identity. I reached out to XXXX to confirm and they did not receive the money nor did they have a receipt or record of them at all. I submitted two disputes with the proof from XXXX they were denied. {$49.00} of my money was stolen and they refuse to refund my money.
Product: Checking or savings account

Starting XX/XX/XXXX from the XXXX I had charges from a third party ( XXXX ) that were not made by me they were made through the XX/XX/XXXX account which is online and can be accessed anywhere they actually are getting sued because of multiple data leaks and they owe a bunch of people money. I think I was affected as well and I need help because I reported it as fraud the minute I saw the changes on XX/XX/XXXX in the morning it was very recent and I called them and I filed a claim days later on XX/XX/XXXX after calling multiple times they gave me the responses of we cant help you because it was authorized and I kept on saying but it wasnt I didnt make them i mean you can say that for anyone if i get someones card its gon na be authorized as well and I kept on telling them its a lot of money that i didnt make I already filed with XX/XX/XXXX, im filing with you, i submitted a complain I got my card replaced because they dont seem to care really. I told them what can I do can I provide evidence and they were like its up to you its stressful because these transactions they sum up to XXXX dollars and It wasnt me. And no caller ids have been calling me so frequently that it makes me think they are the ones that got my money. And Now i have to take action with you guys because this is insanee and I need help. Banks are supposed to be trustworthy and I feel like they dont even want to help me.
Product: Credit card or prepaid card

I have had my XXXX XXXX credit card through Bank of America for 11 1/2 years. In the months of XX/XX/XXXX and XX/XX/XXXX ; Bank of America 's online system failed to process our payment. I was not notified by Bank of America until after being charged a fee and only found out because I went onto my Bank of America account and saw that a fee had been assessed. Two days ago, after making a payment, we were informed, again by email, that our account had been closed. We diligently made payments for over 11 1/2 years, kept the balance paid down, and to receive this kind of treatment from Bank of America is incredibly frustrating. I would like to make sure that other consumers not use Bank of America because arbitrary fees are applied when they are at fault for not processing payments.
Product: Debt collection

I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : **Proof that I am responsible for the debt** : Documents demonstrating that I owe this debt.

**Details of the debt** : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

**Name and address of the original creditor** : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

**Proof of your authority to collect this debt** : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inaccurate and unverifiable accounts on my credit report. Dispute letters were sent to TransUnion, XXXX and XXXX for verification. Unfortunately, the unverified accounts are still reporting on my account. I feel like my rights are being violated at this point. Please Delete accounts.
Product: Money transfers

On XX/XX/2017 I initiated a {$60.00} international money transfer through western union to my family member in XXXX ( Tracking # XXXX ). Western Union refused to pay the money with no reasonable explanation. I raised a complaint with them internally and they stated they would initiate an investigation that could take up to 20 days ( Tracking of complaint # XXXX ). Days later I received a call from them stating that there was an error in their system that prevented them from paying out the money and provided me with a tracking # to claim my refund plus their {$5.00} fee at one of their agent locations ( tracking # XXXX ). When I went to claim the money they refused to pay saying the transaction was canceled and to contact Western. I contacted them and their story this time was that they refunded me the money DIRECTLY to my account. To date I have not received such refund ( attached is also my bank statement as proof ). They just continue to give me the run around with no resolution. I am now out of my {$65.00} and my family is going without due to this ridiculous way of stealing money and handling on behalf of Western Union. I hereby demand that they refund me immediately. 

Please help me because these people are crooks! I am also having trouble with them paying out or refunding me another money transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$89.00} XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX  Account number XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft someone has used my personal information to obtain goods and services using my personal information.