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

I had closed my credit card with Bank of America X/XX/2017 # XXXX due to someone hacked into my credit card. After closing my account, Bank of America were allowing money laundering activities to take place in my closed account. 

Up to about {$10000.00} telephone transfer was deposit into my account and similar amount rejected or send back to someone ( I do n't know to who ).  Bank of America have not stop these activities nor block my account at all. 

XX/XX/XXXX - {$1000.00} deposit/withdraw XX/XX/XXXX - {$1000.00} deposit/etc. 
XX/XX/XXXX - {$200.00} deposit/etcXX/XX/XXXX- {$1100.00} deposit/etc. XX/XX/XXXX -XX/XX/XXXX {$1500.00} deposit/etc.XX/XX/XXXX - {$1800.00} deposit/etc.
XX/XX/XXXX - {$1700.00} deposit/etc.
On X/XX/2017, I had emailed " XXXXXXXXXXXX ' '' to resolve fraudulent activities/money laundering. I had received zero response from XXXX. 

XXXX, After closing my checking account AND my credit card account, there are continuous Suspicious Activities occurring in my closed credit card account which I am NOT responsible for because the credit card account was already closed. 

Please STOP allowing my CLOSED ACCOUNT to act as a vehicle for money laundering activities immediately. 

Please track all the telephone transfer going into my account as Suspicious Activities - they are NOT MINE. 

Any withdraw leaving out of my account going to any 3rd parties checking are Suspicious Activities - they are NOT MINE. 

Please reference that these were Bank of America internal controls at fault, not catching closed credit card activities and allowing for repetitive deposit and withdraws into and out of a closed credit card account - they are NOT MINE. 

Due to the credit card account was hacked, I had already reported the account was to be closed. Did BofA monitor the hacked account and activities? I had received half a dozen correspondence of deposit and withdraw after a closed account. 

As these are in the tunes of over $ 5,000+ ... NOT my activities, I am holding BofA liable in allowing my closed account to be used to conducting criminal activities and money laundering. Please respond by Tuesday XX/XX/XXXX close of business that I am not responsible for all activities in and out of my account after the account was closed or I will report this to CFPB and OCC. - XXXX XXXX On X/XX/2017, after I had received the {$1700.00} deposit into my closing account, I had called BofA again, and no one was able to access my account in the fraud department ( OMG ) and no one was not able to help me after transferring me. Please shut down BofA for wire fraud/mail fraud/money transfer fraud and release me from any liabilities as whistle blower. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : State a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to re-investigate the inaccurate items on my credit file immediately. I have not received any written removal regarding this issue. Based on FCRA, Section 605b It was the responsibility of the 3 credit bureaus to remove those fraudulent items which doesn't belong to the owner. The following items should be deleted and make sure they doesn't re-appear again on my current credit file : XXXX XXXX XXXX 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 XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I am completely baffled about how they got there. I check my credit report regularly, and everything has always been fine until now. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The inaccurate accounts stayed, and now I feel helpless. Please review the documents Ive sent carefully so I can stop living with this constant anxiety.
Product: Checking or savings account

On XX/XX/XXXX or the XXXX, I deposited {$1000.00} in a Bank of America ATM and they have never credited my account. I did not realize this until the XXXX of XXXX. I immediately called Bank of America and filed a complaint about the incident. I frequently deposit cash at this ATM at Bank of America. I have never had a problem with doing this until now. I have been a customer of Bank of America for 27 years. I deposited that amount to cover some of my bills. I can't afford not to have that money. I am on a fixed income and XXXX. I am not trying to scam anybody. I want what is due me. In the meantime some of my bills came through and they paid them but hit me with fees which I feel in not right. This has not been my fault. They hit me with 4 fees of {$35.00}. I called them to remind them that there is a claim against them and they should not be charging me fees. I wanted all of them reversed. They said they could only do 2 and not 4. I was very upset over this. So then I receive a letter from the claims resolution department regarding the claim. They denied it but on the other hand the letter states they found the transaction that I referenced but unable to locate any record of cash or additional cash being deposited. What the ATM made it up. If that was true the ATM should have been short. They don't mention that. I called them and told them how the letter makes no sense. The gentlemen agreed with me so he opened the claim back up for further investigation. Since then I have not heard anything from Bank of America. I requested all documentation they used to deny me at first. I have not received anything. In their letter they offer but I guess not. It has been difficult. In the meantime I am out that money and I had to put of paying some bills. I am really concerned about all of this. They should have not charged me those fees until the case was resolved. It is only fair. So it continues without a word or letter from Bank of America. They made me feel like I was a criminal or something. I believe there are videos at the ATM. They are going to have to check them to see that I am not lying. Why would I? Something happened at the ATM and I don't know what but it did not credit my account. I am sure that this not the first time something like this has happened. 
I did receive a letter from a different gov. office that I sent my complaint to and it was not the right office. They referred me to your office. I have sent a copy of the letter that Bank of America sent to me to you so one can see. I sent it out on XXXX. This whole thing is a mess but Bank of America needs to do the right thing.
Product: Credit reporting or other personal consumer reports

Supposedly applied for auto loan on XXXX per letter from XXXX XXXX recd XXXX. Car as described is not mine. 

Key factors that adversely affected score are not true : *not enough balance paid down over time on real estate secured loans *too many recent delinquencies *no recently opened real estate secured loan
Product: Debt collection

Me and my attorney filed and sent proper paperwork to XXXX XXXXXXXX debt buyer for XXXX XXXX disputing amount owed and requested proof. XXXX XXXXXXXX could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved National Credit Adjusters LLC another debt buyer for XXXX XXXX  bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX. 

This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to. 

I am attaching some online community forums where it shows speedy cash, XXXX XXXXXXXX and NCA are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.
Product: Credit reporting or other personal consumer reports

The purpose of formally disputing inaccurate and unverifiable information being reported on my credit report by XXXX XXXX XXXX ( XXXX ) concerning an alleged debt from XXXX XXXX. I have no knowledge of this debt, have never received any communication regarding it from either XXXX XXXX  or XXXX XXXX XXXX prior to its appearance on my credit report, and XXXX XXXX XXXX has reported an address associated with this debt where I have never resided. 

XXXX. Unrecognized Debt and Lack of Communication : I have no recollection of incurring any debt with XXXXXXXX XXXX I have never received any notices, letters, phone calls, or other forms of communication from either XXXXXXXX XXXX or XXXX XXXX XXXX regarding this alleged debt before it was reported to XXXX. 
XXXX. Inaccurate Address XXXX XXXX XXXX XXXX  has reported an address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX associated with this alleged debt. I have never resided at this address. 
XXXX. Lack of Relationship with XXXX XXXX XXXX  : I have no contractual agreement or business relationship with XXXX XXXX XXXX. I have not provided them with any personal information or authorized them to collect any debt on my behalf. 
XXXX. Potential XXXX Related Issue : The timeframe of this alleged debt appears to fall within the XXXX pandemic period, during which specific protections were in place regarding evictions and debt collection. I suspect this may be related to fraudulent activity exploiting these protections. 

FCRA Violations : I believe the reporting of this debt violates several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX XXXX ( a ) ( 15 U.S.C. 1681c ( a ) ) Prohibits reporting inaccurate information. Reporting a debt I was never notified of, associated with an address I never lived at, is inaccurate. 

FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : Requires furnishers to provide accurate information. Both XXXX and XXXX XXXX XXXX have failed to do so.
Product: Credit reporting or other personal consumer reports

The unverified account mentioned below is still shown on my credit report in violation of federal law, even after I have sent several formal requests to have it removed. I never heard back from the XXXX credit bureaus after sending them a letter. In compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), these accounts has to be verified. In the event that they fail to verify this accounts, I will file a lawsuit. In order to expedite the resolution of this problem, kindly observe 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 Balance : {$59000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation acol stystems
Product: Debt collection

Over the past two years, XXXXXXXX XXXX XXXX has twice claimed that I owe them {$810.00}. Despite my requests for a breakdown of the charges to understand what purchases were made, they have failed to provide this information. Instead, the charges they mentioned were related to late fees and membership fees for a credit card that I had canceled more than two years ago due to fraudulent activity on the account. XXXX XXXX XXXX sent me each statement and their fine print, yet they still have not provided me with actual purchases to back up their claim. And now I have a credit collection after me for these fraudulent fees. I am about to take XXXX XXXX XXXX  to small claims court if they don't remove their actions since I disputed the transaction Report Created On : XX/XX/scrub>XX/XX/XXXX  File Identification Number : XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX This company told XXXX that the collection was real and they provided no other information to back up their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two suspicious collections appear on my credit report. I flagged it, and two of the three bureaus removed it after investigation. Equifax refuses to remove it, but has failed for several months now to show ANY proof of the debt. I have repeatedly filed disputes and asked them to get anything from the debt collector that shows a legitimate debt. They respond with nothing other than saying the debt collector says that its real. But no proof of any kind with my signature. Once again, it has been several months, and its affecting my ability to buy a house. I warned them that if they didnt start following the federal law I would report them to CFPB. They dont care. 

( Note : I previously submitted this accidentally saying XXXX. It is Equifax. )
Product: Mortgage

I am XXXX XXXX XXXX and a XXXX survivor ( XXXX ). Based on my prognosis, I decided to take my life 's savings to make a down payment on a condo with me as the applicant and my son the co-applicant. We used Quicken Loans. On XX/XX/XXXX via email I informed the salesman, aka " Executive Purchase Banker '' XXXX XXXX that his colleague told me I did not have to have my home owner 's insurance ( or property tax ) escrowed with Quicken, and I did not want to do this. XXXX called me up. I was tired, and he told me he would have to charge me more money at closing if I did not do this. The issues here are lack of full disclosure and coercion. 
On XX/XX/XXXX Quicken Loans sent me an email saying they had paid my property taxes : {$1500.00}. This was too low, so I called Quicken Loans and the agent told me they were right and I was wrong, and unless I got something in writing from the Tax Collector, Quicken Loans would not do anything. ( If I had taken her word for it, our home would have gone into foreclosure. ) I contacted the XXXX XXXX Tax Collectors office via email and they responded that my taxes were {$1900.00}, and had not been paid. I faxed a copy of the email along with a copy from the page from XXXX to Quicken Loans. Evidently they had sent the money to pay someone's else 's taxes. A XXXX XXXX said they were in the process of getting my money back from XXXX XXXX County, and supposedly also sent the {$1900.00} from my account. ( So here is now no money left in my escrow account. ) I looked on the XXXX   site and my taxes still were not paid and the {$1500.00} is still missing. Another customer service rep named XXXX told me they were " still working '' on getting my money back. She also said Quicken Loans does not pay my taxes, they have another company do it and that company mails a check to the tax collector, which may not cash the check for several weeks. I told XXXX XXXX, I do not want to escrow either insurance or taxes with Quicken Loans anymore, and she told me that I had to for 12 months, but this is not what paragraph 3 of my mortgage contract says. It says the Lender can release me from this obligation anytime. This is fraud. I asked XXXX XXXX the name of their attorney. XXXX XXXX responded that she is busy " researching '' and will get back to me.
Product: Checking or savings account

It all started when I tried to make a payment ofXXXX through XXXX 's automated system. There was a system error, so the automated system recommended that I make a one cent adjustment to the payment because the automated system couldn't process a payment of the same amount. Thus, the total was changed to XXXX. Bank of America took both payments from my account, so I called to dispute one of the payments. I talked to XXXX first to find out if both payments went through. Only one payment went through ( XXXX ), so I disputed the payment ending in XXXX There was even a three way conference with a XXXX rep and a B of A Soup so that there were no misunderstandings and some how B of A still managed to dispute the wrong payment. They disputed the payment ending in XXXX. Because of this mistake my XXXX account was cancelled on XX/XX/2017. Now XXXX wants more than the returned payment in order to reactivate the account in addition to the reactivation fees and prorated that will generate on the next bill. When I explained this matter to a claims rep he notated the account stating I would need help with the prorated charges and reactivation fees that would generate. I talked to another rep from the bank and she told me to fax proof of the amount XXXX needed in order to reactivate the account. I got the tangible info needed and sent a fax over to the claims specialist as instructed. I called a few days later to check the status of my claim in regards to reactivating, and he told me that b of a would not be paying me for anything but the returned payment not the result of their mistake. Right now XXXX XXXX is asking for XXXX in order to reactivate because the was a balance coming due XX/XX/XXXX of about XXXX. If this matter lingers ill be billed for the XXXX worth of equipment that I'm currently financing, I also lost monthly discounts such as free tablets and a discounted XXXX  that will become full price when the account is reactivated. I also had a grandfathered plan that was forfeited and will have to face a monthly increase of about XXXX dollars a month in order to get the features that I had before the account was cancelled. I want compensation for the entire account and the difference that I had to pay after losing my employee discount. I keep getting the run-a-round and at this point I just want a viable solution to a sticky mess that I don't believe I'm responsible for! 
Update : the account is now in collections and has been canceled ever since this incident.
Product: Credit reporting or other personal consumer reports

My previous Mortgage from XXXX doing business as XXXX XXXX is verifiably closed as of XX/XX/year>. 
Equifax is the only major credit bureau that still has this account as active and opened on my credit file. Even XXXX and XXXX correctly identify this account as closed and Paid In Full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

I then sent a letter for verification purposes on XX/XX/XXXX asking the credit bureaus to verify what source they used to verify that the bankruptcies that are showing on my personal credit reports are accurate. I had Experian to place my inquiry in disputes after the letter clearly states I'm not disputing at this time and they responded back stating that the information was accurate and will not be removed, without stating the source they got the information from. XXXX and XXXX never responded back to my letter from XXXX, XXXX, XXXX. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Debt collection

XXXX keeps sending me shoes I did not order. I return them and they do not always credit my Visa account. Also they claim to have not received some returns using their own preprinted labels. Their shoes pop up on my XXXX app.I have contacted Visa about the various charges and am submitting what proof I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the four closed accounts are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.

15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system.I do not consent to any of the following closed accounts be reported on my consumer report for equifax, XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX. 
XXXX XXXX, balance {$0.00} opened XXXX. XXXX XXXX XXXX balance {$1300.00}, opened {$0.00}. XXXX XXXX XXXX, balance {$0.00}, opened XXXX 2019