23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!
Product: Credit reporting or other personal consumer reports

My business partner 's brother, XXXX XXXX XXXX XXXX open XXXX business credit card accounts using my personal information. I had no knowledge of this until my credit monitoring service ( identity IQ ) alerted me of the negative account. I contacted XXXX XXXX and XXXX, Equifax and XXXX to have this matter resolved. It still has not been fixed. MY business partner contacted his brother and asked him directly if he indeed did take out business credit cards in my name. He admitted to it. I will be providing proof of that conversation as well as a copy of the FTC report. There are also fraudulent inquries listed on my credit report account info : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of a debt listed on my credit report from XXXX XXXX XXXX also listing their information as XXXX. I have never borrowed any sum of money from the XXXX and I have asked them numerous times to prove the loan source. None of this information is listed with the XXXX XXXX XXXX which is the actual lender for school settings.
Product: Money transfer, virtual currency, or money service

Wells Fargo can not tell me how funds were used after my account was overdrawn by transactions that were covered by me transferring funds from my savings transactions will date back to almost 7 days
Product: Vehicle loan or lease

I paid off my vehicle loan with Truist Bank but after they sent me a letter stating the account is paid in full as well as a title to my vehicle, but now they are reporting to the credit bureaus that I still have a balance as well as still mailing me a statement saying I have a balance. Please correct this account with the credit bureaus as well as stop sending me statements that I owe money. Proof of account being paid in full is attached. Thank you.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX. I saw a late payment that should be reporting on time. On XX/XX/XXXX of XXXX I spoke with XXXX XXXX with XXXX and we discussed that I wouldn't be marked late because of the Pandemic as long as I brought the account current for the amount of {$27.00} which I had done. I sent a letter to Equifax to get this fixed but they still said everything is reporting correctly. But it is not. Can you help me with this situation. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account : XXXX, from 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 1692b acquisition of location information by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT AL
SO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA
Product: Checking or savings account

I opened up a BMO checking account on XX/XX/XXXX. I was interested in the {$600.00} checking account bonus they were offering. 

A few days later I received a notice that my initial funding was not able to be processed. I called BMO and they were not able to give me any information about this. A few weeks after that, I called BMO again and they told me they had closed the account. They were not able to provide a reason and they said I would receive a letter explaining the decision in 7-10 days. I never received this letter. 

I called them again today ( XX/XX/XXXX ), and they were able to tell me that the account was closed due to " high risk, '' but they were not able to explain what this means. 

I find it very unprofessional that I was never notified of the account closure until I called them myself to ask about it. It also seems very strange that the fraud department would close my account without talking to me. If fraud was a concern, they could have called me and verified my information. I believe they closed my account so I could not earn the {$600.00} bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The information should of been blocked within 4 days
Product: Checking or savings account

On XX/XX/XXXX morning, I was checking my emails and realized I've gotten two emails ( one was a new recipient added to my account, second was stating the wire transfer is complete ) which was not authorized by me. The total amount was {$13000.00}, excluding wire transfer fee. I immediately called Chase fraud department to file a claim and relayed that I believe someone had gotten access to my PC as well as my phone to initiate this wire transfer. They provided me my wire transfer recall claim XXXX which will take up to 10 business days for a decision. As per Chase, I will receive a letter in the mail regarding this. On XX/XX/XXXX to XX/XX/XXXX, I had worked together with the Chase team to reset my account ( new username, new password ). In addition, I have reset my email password which is associated with the account as well as remove all remote access apps on my phone. Fast forward to today, I decided to call Chase to see if they got an update on my case. After waiting for at least 40 minutes, the supervisor of the wire recall team XXXX updated me that my wire recall claim was denied. Reason was there are no unknown sources of my log-in, I told them of course they were known sources as I stated before someone had gotten access to my PC as well as my phone when initiating the transfer. As per XXXX, I should've gotten a letter of their decision. Since filing the claim till when the decision was published I have not gotten any physical nor electronic communication. Had I not called them today, I'd be waiting blindly and assuming my bank will protect me to recover my funds. Their resolution was now they will send an email to the recipient bank and ask if they would wire the funds back to me. That should've been the first thing Chase should've done when filing my fraudulent wire recall claim and not wait 4 business days to tell the other bank to keep the funds pending on the recipient account. Lastly, I asked what determines whether the recipient bank will honor the wire recall or not and I was told whether the recipient has moved his/her funds away from the account or not. Given this is a fraud, why would the funds still sit in the account? Any scammers would move that money the moment it is shown up on the account and NOT leave the funds untouched for 4 business days. To conclude, I don't believe Chase has handled my claim accurately and seriously. 1 ) Reason for denied wire recall claim is the root cause of the claim to begin with, you won't find " new '' sources of log-in since someone had gotten access to my personal devices 2 ) Chase has failed to provide any electronic or physical communication regarding the filing of my claim to decision of my claim 3 ) Failed to detect suspicious activity internally, I have not submitted a wire transfer since 2022. It should've at least prompted more verification before letting it go through 4 ) Time of fraudulent activity was taken place when I was asleep
Product: Mortgage

I have had numerous problems with TD Bank. They constantly lie. This time, I have my flood insurance escrowed with my mortgage. So TD Bank is supposed to pay it. I received a letter from my insurance company stating my policy had expired for lack of payment. Of course I call my insurance company and they state nothing was paid. I call TD bank and they lie and say no we paid it. I asked for proof, a Check number, what date was it paid? They said oh we have a copy of your policy and we will send to you. Still not providing any proof pf payment. I call my insurance back and they firmly state the bank never paid. I call TD Bank again and they say oh it was paid with a bulk check. I again asked for proof and they refused to provide any. I wait a few days and call my insurance company, they said they talked with TD Bank and they informed them that they never paid. WHY CONSTANTLY LIE TO ME. MY POLICY WILL EXPIRE BECAUSE OF THEIR NEGLIGENCE
Product: Credit card or prepaid card

Barclays Bank charged me an {$89.00} annual fee in XXXX associated with my XXXX XXXX XXXX credit Card. Several days later they notified me via email of changes to the terms of the card benefits and agreement and would not refund the fee that has already been paid. They charged me a fee and then did not fulfill the terms of the agreement associated with the fee. The Fee should be waived or refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX activity. Im a victim of identity theft which affected my credit score.
Product: Credit reporting or other personal consumer reports

I discovered a bankruptcy account on my credit report that isn't mine. This might be a case of identity theft or fraud, and I'm worried that this incorrect information is harming my credit. I need it removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had lost my XXXX rewards card and there was fraudulent activity. I made multiple calls to chase and each agent : XXXX XXXX, XXXX XXXX, XXXX, and supervisor XXXX XXXX refused to shut down and reissue card. The card is still open to make fraudulent purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account., I followed the procedure and the XXXX account was " Verified ''. After, 7 business days of waiting for my funds to be transferred into the XXXX Account, the " Verified '' funding source for my XXXX Card, I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX, and the funds have still not been transferred. I 'm sure that AMEX delays these types of transfers to collect as much interest on these types of accounts as possible. This has been a horrible inconvenience and it should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXXXXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and follow up regarding Citibank 's failure to comply with my opt-out request. Despite my notification to Citibank to opt out of their marketing and data-sharing practices, I continue to receive communications and see evidence that my personal information is still being shared with third parties. This constitutes a violation of several federal and state laws. 

Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to honor consumers ' privacy preferences, including the right to opt out of specific information-sharing practices. Citibank has failed to meet this obligation. As a resident of New Jersey, I am also protected under state privacy laws that mandate organizations respect consumers ' privacy rights, further compounding this violation. Additionally, 15 USC 1681a ( q ) ( 3 ) outlines the permissible purposes for sharing consumer report information. By continuing to share my information without my consent, Citibank is violating this provision. Furthermore, they are non-compliant with the Truth in Lending Act ( TILA ) by failing to accurately disclose how my personal information is utilized and continuing to send me unsolicited communications that contradict TILA 's disclosure requirements. 

In light of these violations, I request immediate action to ensure that Citibank ceases all unsolicited communications, honors my opt-out request by stopping the sharing of my personal information, and fully complies with the relevant laws.
Product: Student loan

My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.
Product: Credit reporting or other personal consumer reports

I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the accounts XXXX XXXX XXXXXXXX ( XXXX, XXXX, XXXX ). Furthermore, the disputed accounts were never verified, and XXXX and XXXX have deleted these accounts. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped. As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. You also failed to respond to my last cfpb complaint XXXX about this dispute.
Product: Mortgage

I am currently in the Deed-in-Lieu process with Ocwen. My hardship paperwork has been in their possession for a full 9 months ( since XX/XX/2016 ). The process has been incredibly slow but now we are absolutely stuck because they can not find the assignment of mortgage. Without the assignment of mortgage, they can not complete the deed-in-lieu documents. And without the assignment of mortgage, it 's unlikely I can move the property out of my possession through a short sale either so I 'm stuck with very few alternatives.
Product: Debt collection

To begin with, Portfolio Recovery acquired two accounts, one from an old XXXX XXXX account, and one from XXXX XXXX. Portfolio recovery did not provide any written correspondence as it relates to the debt. They have contacted me during work hours at my place of employment. I have informed them to contact me after my work hours. I still receive calls during work.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX for {$1000.00} XX/XX/XXXX for {$1000.00} The person that the money was for didnt receive the funds, the second transfer was made and still wasnt received. 
Tried to contact the person, XXXX XXXX and no response, Zelle told me there was no way of getting my money back.
Product: Debt collection

I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian XX/XX/XXXX to dispute a public record Bankruptcy showing on my credit. Experian informed me the information was verified and referenced XXXX. I disputed again XX/XX/XXXX, and was advised the item remained unchanged from the processing of my previous dispute. I also disputed incorrect addresses and names in XX/XX/XXXX and XXXX of XXXX. I disputed these items again XX/XX/XXXX. Incorrect information still remains on my report. My information was suppressed from XXXX in XX/XX/XXXX.