23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

good day, I am currently on unemployment and have a bank of America debit card on XX/XX/XXXX I went grocery shopping and tried to use my card and it declined I went home and called bank of America to report this. I found out that someone used my card at 5 different locations to get out money, one transaction was in Connecticut and one was in new jersey and the rest were in XXXX. The total amount of my money was XXXX that is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. this is the money that was stolen from me. I have talked to so many employees at Bank of America that they got use to hearing my voice. I have been to a one of the branch locations that my money was with drawn from and have counted 5 cameras outside this location which is the location on XXXX XXXX and XXXX  XXXX XXXX. I can not understand why they have not been able to review the cameras to see that it was not me that did this. this bank has been just jerking me around and do not seem to care. I have been more than patient with this situation. I even had a representative from the bank to hang up on me. I am so greatful that I have help with my bills but I now owe every family member money due to the fact that I can, t get any help from bank of America. I am so glad I found this website I pray that someone can help me. please. I have a complaint number that the bank gave me.XXXX XXXX. 
also he person that got my money left me XXXX dollars and some change in my account so that's owed to me also. Bank of America is one of the most horrible banks I know of in my life. I was with them before and the service as so horrible that I left. I am glad unemployment took the account away from this bank. I have known many people that this happened also and they got there money back pretty quick. I am so upset with this bank that I went to the doctors for my XXXX and now I have a problem with XXXX XXXX XXXX and its all my XXXX. thank you to whoever reads this. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  md XXXX my cell is XXXX can someone please please help me or give me some advise. 
have a great day!!!!!!
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

On my credit report, XX/XX/XXXX a account was open in my name for the amount of {$340.00}, I call the crediting company and collection and they said they have no account on theyre system, The same for a account with XXXX  XXXX  XXXX XXXX, Two Accounts were opened, I have no Knowledge of and nether does the creditors or  collections have anything on their systems on XX/XX/XXXX the accounts were opened for the amount of {$720.00} and {$800.00} ( I was XXXX  on that date )
Product: Bank account or service

I had an Opportunity checking account with Wells Fargo that required one year of keeping an account in good standing -meaning it was to be an actively used account in order to have upgraded features after 1 year, such as ability for outside atm deposits, larger amount withdrawls, higher daily spending limit etc,. The account did not include any monthly service fees for having a direct deposit each month. 
At the one year mark around XXXX 2016 I visited the branch due to deposit issues and a misplaced direct deposited check from SSI which was somehow routed into a closed account ( i believe which was previously suspected to be compromised when charges I did not authorize began to occur ) My direct deposit was ultimately located but once that was resolved I also began to see monthly service charges that were not agreed upon, with the switch to a new and secured account, I was then not allowed the new account features as agreed upon. Staff stated my account had not been open a year, then once I escalated the concern to show what occurred, they then stated it was not in good standing due to overdraft charges ... but the overdraft charges were due to debit transactions that had been processing out of sequence or very delayed ( even though I tracked and managed my spending not to mention had been complimented by Bank teller employees about the good standing and mngmt of my account ) yet resulted in multiple overdraft fees mostly for reasons I could not decypher or was able to predict. Also, I was unable to process my car payment due to continued limits on my account ; the amount was declined to process on time resulting in fees to my lending company, so I immediately closed the account because of nit being able to have access to my own money in order to pay bills and the fact that Management refused to fully refund my money for their transaction processing errors resulting in multiple over draft fees. They would only agree to proving me with a portion of the costs despite lengthy conversations by phone, I was then instructed to just go into the branch and handle it with management. There was an issue with my car payment which actually DID then process after my account closure! & Fees added after the fact..I had to dispute this because it resukted in a dual car payment to my lender. I was refunded the money for this but would appreciate it being looked into further since it seems very unethical and I have not heard anything from Wells Fargo since.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and TransUnion last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Checking or savings account

on XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Checking or savings account

this all started XX/XX/2021 with XXXX  key chain it included my banking information they made a b payment through my personal bank & also with my debit card with both i reported it and had my accounts changed it happen again. since then all my acts were compromised emails social media passwords blocking from everything and i have reported to police and also attorney general as well as cybercrime through the .gov site XXXX my email i provided was then hacked again i never received notification and hacker cancelled my report cc to himself and that was at these emails XXXX XXXX or now XXXX  & XXXX where my XXXX emails and XXXX is the one the hacker had a hold of i have tried to retrieve any emails through sites & google and i cant at all it states theres other information for a recovery phone # and email. 

other emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have incident reports with local police department XXXX  and i met with cyber detective they said they didnt have the proper equipment to see who it is that impossible to find hacker and over XXXX accounts of mine were compromised. Thats when i did XXXX report. 
I also reported to XXXX since it started on the i phone then to my XXXX XXXX XXXX  and my internet company is aware also are the techs that come and to fix issues. 
I have bought several VPNs and they also get hacked, they have changed my router over 20x nothing works! I set and changed name of router secure passwords everything with them I have filters set on my modem and they take a couple days before compromised. 
My i cloud erased ive reported it with XXXX  security team and nothing is done i have several report # s  nothing. 
my phone # is XXXX XXXX
Product: Debt collection

Approximately in XXXX, I went to XXXX store to switch cell phone providers XXXX to XXXX and XXXX representative stated that they will pay the balance of the lease as the commercial stated. XXXX will be responsible for all transfer fees. I transferred my phone number to XXXX but they never uploaded the last bill and serial numbers of the 2 phones to pay the lease balance to XXXX. 

On XX/XX/XXXX, I was informed by Police & XXXX XXXX that a outstanding collection charge of {$820.00} from XXXX is on my credit report. Police & XXXX XXXX can not move forward with my loan until this is removed. I contacted Diversified Adjustments Inc XXXX spoke with supervisor XXXX account # XXXX to dispute the charges. I contacted XXXX and they stated they have no record of my account and told me to call XXXX to request to have removed. Unfortunately, this is another number of Diversified Adjustments Inc. 

I did not receive any gift cards or prepaid cards during the time of transfer. The incorrect bill is created by XXXX not paying for the transfer fees and balance of lease as their ad states. This improper charge tortuously interferes with my loan process. Since both cell phone companies have the information to correct this matter, both cell phone companies need to be prosecuted to the fullest extent and fined to the highest magnitude. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Debt collection

This debt was from 2008. The creditor XXXX XXXX has sent me a letter stating that they have charged off on XX/XX/2008 with a balance of {$1500.00}. They stated that this account was bought by XXXX XXXX, XXXX. XXXX XXXX states in their letter to me that " they no longer have a financial interest in this account. '' They also states in their letter that " XXXX XXXX XXXX has not attempted any communication regarding this account since XX/XX/2008. If XXXX XXXX has not decided to collect this debt and has written it off, XXXX XXXX is stating that I owe them a balance of {$2700.00}. I owe nothing to this company. They decided to purchase this account from XXXX XXXX. I have no Idea how much they bought this account for. They are want to collect money from me that I do not owe them. This debit is ten years old? This company should not be harassing me for money that I don't owe to them.
Product: Debt collection

To whom it may concern, after receiving an alert from my consumer monitoring service, I contacted Annual Credit Report and got a copy of my consumer reports from XXXX, XXXX, and XXXX. As I checked my consumer reports, I noticed an alleged medical collection from XXXX XXXX XXXX whom I never received products nor services from. Not only is it a XXXX violation but XXXX XXXX XXXX is in violation of 42 U.S. Code 1320-6 Wrongful disclosure of Individually Identifiable Health Information and violation of 15 U.S. Code 1681 ( a ) ( 4 ) a consumers right to privacy. I contacted XXXX XXXX XXXX to dispute the alleged medical debt threw certified mail sent out XXXX2022 asking for verification of this alleged medical debt and never received anything back from XXXX XXXX XXXX. I now have an alleged medical collection on my consumer report that is ruining my reputation.
Product: Checking or savings account

A fraudulent, unauthorized charge of {$1400.00} was posted to my checking account at USAA on XX/XX/year>. I noticed this charge on XX/XX/year> and called USAA the same day to file a complaint. I was told by USAA Fraud Dept that the charge was suspicious and that they would investigate and get back to me within 7 to 10 days. I never received a response from USAA so I called again on XX/XX/year> and made the same complaint to the Fraud Dept and they told me that they would look into it and get back to me within XXXX to 10 days. I did not receive a response from USAA at all so I called yet again on XX/XX/year> and made the same complaint again, this being the XXXX time I called to make the complaint. The USAA Fraud dept apologized for the lack of response, told me that the charge to my account was indeed suspicious and likely fraud and they promised that I would hear back from them within 7 to 10 days. To date I have not received any response, call or communication from USAA. I made it clear during all 3 calls to USAA that I expected a refund immediately. I have given USAA 3 attempts to correct or resolve this issue and USAA has done exactly NOTHING. I am very aware of USAA 's on-going fraud and compliance problems with member accounts and the Cease and Desist Order issued by the Office of the Comptroller of the Currency . I am also fully aware of the penalties and fines in the millions of dollars USAA has paid to regulatory agencies for the same issues I am having. I am beyond frustrated by the absence of any response from USAA and its continued disregard for it's members. In light of the fact that USAA refuses to acknowledge my complaints and issue a refund for the fraudulent charge against my checking account I have no choice but to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights to privacy by reporting my personal information and my private transactions and experiences on my consumer report. An I tried several times to resolve this issue it is causing me emotional and financial damage They weren't given consent or permission to do so. This is a civil liability violation and penalty can and will be implemented for damages sustained This my third an final time I filed complaint an no response per this complaint number. Failure to respond 5 calendar days will be constituted as your acceptance that the debt is not valid. Please understand verify, validate and document for your records that I AM LEGALLY Obligated to pay these alleged debts. Please be advised that a simple verified will not constitute an appropriate legal nor is it a lawful response. 
XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent XXXX payment from my citizens bank to my TIAA account {$1000.00} I have proof it was received into account- citizens bank gave me details it was received : Trace number XXXX Confirmation number : XXXX When I called tiaa they said they dont have it but you do so please investigate and send me check of money ASAP
Product: Debt collection

The prior tenants failed to pay XXXX XXXX from approximately XXXX  to XX/XX/XXXX. I became owner of the subject property by Deed recorded XX/XX/XXXX. I activated an account with XXXX XXXX on or about XX/XX/XXXX. My account XXXX was always paid on time. XXXX XXXX, its agents, servants and/or employees, broke into and entered my property and placed tubular locks on the electric and gas services on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX transferred {$2800.00} to my account which was paid in full at the time { copy of bill attached }. The {$2800.00} was incurred by a tenant, XXXX XXXX, who is now deceased. I have advised XXXX XXXX of this fact on numerous occasions. On XX/XX/XXXX, I wrote to XXXX XXXX detailing the situation { copy of letter attached } ; no response was received by me. By notice dated XX/XX/XXXXXXXX  { copy attached }, XXXX XXXX  XXXX was attempting to collect the debt and on XX/XX/XXXX, I wrote to XXXX { copy of letter attached }. As evidenced by the Monthly Bill History furnished by XXXX XXXX, the charges originated in XXXX  ; its is my contention that the charges date back before XX/XX/XXXXXXXX  which was the date of the last meter reading requested by XXXX XXXX and the date that her account was closed. 

The Statute of Limitations within which to attempt to collect these charges has expired. Pursuant to the Federal Fair Debt Collections Practices Act, the debt collector knows, or should know, that the debt is too old to collect on, and they have FAILED to do the following : { a } Tell me that the statute of limitations may have expired ; { b } Tell me that it is a violation of the Federal FDCPA to sue to collect a debt for which the statute of limitations has expired ; { c } Tell me that I do not have to admit to owing the debt, promise to pay the debt, or give up my rights regarding the statute of limitations.
Product: Debt or credit management

I am filing a complaint against Briteside Solutions for deceptive business practices, misleading information, and failure to deliver promised services regarding their credit repair program, potentially violating federal and state consumer protection regulations. 

I enrolled in Briteside Solutions credit repair program, paying over {$8000.00}, expecting assistance in resolving and improving my credit. However, the services provided left me in a worse financial situation than before. 

Despite following account managers ' guidance, I now have collections on my credit report, severely affecting my credit score. This has made it impossible to take out equity from my home during a family emergency. Additionally, I faced three lawsuits and now need to pay back all disputed accounts, costing me thousands of dollars ( approx. {$10000.00} ). 

I believe Briteside Solutions engaged in deceptive and misleading practices. They misrepresented their ability to resolve my credit issues, resulting in significant financial harm. Their failure to deliver on their promises constitutes a breach of contract and deceptive business practices under consumer protection laws, specifically the Credit Repair Organizations Act ( CROA ) and potentially the Federal Trade Commission Act ( FTCA ). 

The CROA prohibits credit repair organizations from making false or misleading statements and charging fees for services not yet performed. The FTCA prohibits unfair or deceptive acts or practices in or affecting commerce. I believe Briteside Solutions ' actions are in direct violation of these regulations. 

I feel scammed by this company. They promised to improve my credit, but instead, I am left with more debt and unresolved collections. I am extremely dissatisfied with the service provided and the false promises made by Briteside Solutions. 

I am seeking a full refund of the {$8000.00} paid to Briteside Solutions for their credit repair services, as well as compensation for the approximately {$10000.00} I now need to spend to resolve my credit issues. I also request they take immediate action to remove the disputed accounts from my credit report and correct any negative marks they caused. 

I hope the CFPB can assist in resolving this matter. The service I received from Briteside Solutions has been highly unsatisfactory and caused significant financial hardship. Their deceptive practices and failure to deliver on promises must be addressed. Their actions may also constitute violations of the Credit Repair Organizations Act and the Federal Trade Commission Act.