23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bank of America credit account reporting as a charged off account on my XXXX and XXXX credit report that is fraudulent. I have placed fraud alerts on both those credit bureaus and have stated over several months of disputes that the account does not belong to me and was opened and used without my knowledge or authorization. I do not know any specifics of what happened with this account as I have never owned a Bank of America credit card and this has horribly affected my financial reputation and ability to obtain credit and buy a home for my children. This account is fraudulent and both Bank of America and XXXX have been negligent in conducting a proper investigation into this account. If there was a investigation conducted, this account would have been removed XXXX and XXXX and updated after the initial dispute. I clearly am a victim of identity theft and somebody had access to my personal information, without me providing anything. I have never shared any personal information nor have I shared my SSN number, phone number, bank account details, or login credentials to any financially related applications that I use. I please ask that this account gets investigated top to bottom and subsequently deleted from my XXXX and XXXX credit reports. In that investigation, I am asking the CFPB to hold Bank of America liable for their unwillingness to cooperate in conducting a proper investigation. After several disputes of the account, I have asked for original contract with my wet-ink signature, transaction history, statements from account opening until supposed charge-off date. Any and all documentation if the debt was sold ( which is illegal to do ). I have asked for all the personal information on the application including full name, address, date of birth, SSN, employer, income stated on application, the length of employment, etc. Bank of America has not provided a single piece of information requested and after every dispute, they simply come back and say it meets FCRA requirements, which it obviously does not. They update the account by changing something each and every dispute. This means they were reporting balance information, payment history, open and close date of the credit account, etc. inaccurately and illegally as this account was opened fraudulently. I never received any correspondence from Bank of America throughout this entire dispute process. That alone is FCRA violation and is also subject to monetary fines. I will not hesitate to pursue litigation through my attorney if this account is not removed from my XXXX and XXXX report.
Product: Credit reporting or other personal consumer reports

I RECEIVED A COPY OF MY CONSUMER REPORT AND SEE INACCUARTE INFORMATION ON IT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported incorrectly an account that I never opened. 
XXXX XXXX charge of {$350.00} XXXX XXXX {$1000.00} XXXX {$320.00} Amex {$1800.00} XXXX XXXX {$7100.00} all these accounts are incorrect and I disputed these all.
Product: Credit reporting or other personal consumer reports

I have recently looked at my credit report and noticed that I have an account on my credit report that I have no knowledge of nor have it been verified. I have attached a letter along with my proof of identity.
Product: Credit reporting or other personal consumer reports

My credit scores dropped a lot. I checked my credit report. There are some hard inquiry that not I authorized. 
Inquiry company : Bank of America Inquiry date : XXXX XXXX Inquiry company : XXXXXXXX XXXX XXXXXXXX date : XXXX XXXX Inquiry company : XXXX inquiry date : XXXX XXXX Inquiry company : XXXX XXXX inquiry date : XX/XX/202XXXX XXXX
Product: Checking or savings account

I was surprised to find out that XXXX / Chime on XX/XX/XXXX withdrew all the funds from my account. 

My Chime online statement references the transaction as an " Adjustment ''. 
Upon contacting the Chime Support team I was advised my account was closed for inactivity and the money in my account was sent to me by check to my home address. 

As of XX/XX/XXXX no such check was received by me. 

Upon further contact with Chime Customer support, they subsequently said the money in my account was sent to the State of " ____ '' the " Escheatment Process ''. 
The Chime Support team also advised me Chime had closed my account but has now reactivated my account upon me contacting them. 

Although my account was reactivated my money was not placed back into my account. 
I was told I was required to contact XXXX ( their parent company ) and I was also told I needed to contact the State of " XXXX '' Treasury of Unclaimed Property - Escheatment Department. 

Upon contacting the State I was advised they have " No record '' of my money being sent to the by XXXX or Chime. 

The State is requesting me to produce a letter from XXXX XXXX Chime that my money was sent to the State. 

I contacted Chime customer support and requested such a letter on XXXX XXXX. I advised them that I never received any such letter or email. And I pointed out to them my Chime statements contain No such information that my money was sent to the State. My statement merely shows a negative " Adjustment '' on XX/XX/XXXX XXXX  out my account with no explanation of why the balance of my account was withdrawn and where the money went. 

Chime Customer Support advised me that they Can Not provide me any written communication confirming for me " the when, why and where they sent my money. '' They insisted I send an email to XXXX at the following address " XXXX '' and to seek assistance there. 
I tried sending an email to that address only to get a system response saying the email address is not valid. 

I further tried to contact XXXX via a phone number on their web site which took me back to Chime Customer support who tells me they can not help me any further. 

Lastly, I went back to the XXXX web site and made an online inquiry hoping someone will contact me back and help me. 

At this point I am out over {$700.00}. And although that may not seem like a great deal of money to some that is a paycheck to other people. And I can not understand how a banking checking & savings account company can take such actions to confiscate, lose and otherwise disperse in such a way their customers money without at a minimum a phone call, an email, a text or a letter to confirm such an action made sense.
Product: Credit reporting or other personal consumer reports

My credit report shows billing mistakes, with late payments that conflict with my usual record. Please adjust these errors and update my report.
Product: Debt collection

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Im aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please show me this documentation otherwise delete this unverifiable account from my credit.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Checking or savings account

In XXXX. Bank of America closed my account without my knowledge and without giving me any notice. In addition, the amount in the account is about more than XXXX dollars, and I have not received any refund check and progress. My name is XXXX XXXX, my account number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my repeated efforts and providing ample evidence of the fraudulent nature of these items, they persist on my records, significantly impacting my financial standing and credibility. 

I first reported the fraudulent activity on [ date of initial report ] and have since made multiple requests for the removal of these items from my credit report. However, despite providing documentation, including any supporting documents, the fraudulent items remain unresolved. 

The continued presence of these fraudulent entries not only undermines my financial integrity but also creates unnecessary stress and inconvenience as I struggle to rectify an issue that should have been resolved promptly. Furthermore, the persistence of these items suggests a failure on the part of Credit Bureaus to adequately address and investigate my dispute. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Remove all fraudulent items from my credit report promptly. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar incidents from occurring in the future, including enhancing security protocols and improving the dispute resolution process. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I got scammed, i sent {$650.00} to XXXX XXXX on XX/XX/2021 and on the Venmo receipt for the transaction it says, this payment is to investigate my sister XXXX XXXX. I never received anything from this man so i first tried filing with Venmo but they are helping the thieves because they first said they couldn't help because it was a transaction among friends then when i pointed out what my receipt says they just ignored me. I cantacted us bank and they refused to do anything stating they had no proof that this money was for services, i sent them the receipt and called them over and over. In the end they admitted the only reason they wouldnt refund my money was because it went through Venmo and they knew Venmo wouldnt help me. Now on XXXX website is says, Dont worry we have your back! That payments are protected!
Product: Credit reporting or other personal consumer reports

To whom it may concern : Attached you will find the information I have identified on my credit report that need to be remove from my credit report immediately.
Product: Payday loan, title loan, or personal loan

Both the mobile application and website are full of bugs and issues that need to be fixed as they cause issues with making payments. 

- In order to add a payment method on the website, you need to use a service called Plaid. The issue is that the service seems to never work and the payment method never adds.

- There is only one way to pay and that is online. No mailing address or payments through your banks bill pay.

- Their customer services takes long to respond to inquiries- Due to the fact that their website and app contains bugs, it doesn't accurately display the amount due. My complaint stems from the following : 1 ) I had a payment due of {$250.00} on XX/XX/2022. On XX/XX/2022, I logged in and made a payment of {$250.00}. Additionally, I made a payment of {$140.00} to go towards principal so a total of {$400.00} was made. 

2 ) These payments cleared my bank account on XX/XX/2022. 

3 ) On XX/XX/2022, I logged into XXXX to see if they posted my payments to my account only to see that I am now delinquent and owe XXXX cents. Mind you, I made the exact payment that they said I owed through the website and even made an additional payment. I immediately made the XXXX cent payment and this was withdrawn on XX/XX/XXXX. 

4 ) XX/XX/2022, I receive two back to back robo-dialed calls from XXXX informing me that I am delinquent XXXX cents and need to pay immediately. I then received a text informing me the same. I called them and they confirmed that there is a mistake in their system and to please disregard. Although FDCPA does not state the amount of times they can call, this can be considered " unreasonable ''
Product: Mortgage

Dear Team, I have been attempting to obtain a payoff demand letter from CitiMortgage. They claim this is currently in their Centralized Recovery Department. Originally, they kept transferring me to XXXX who originally was the service provider on this loan but they are no longer involved. They told me to contact CitiMortgage. Also, a representative in CitiMortgage, told me recovery will need to assist me. 

I sent faxes but the phone line is not manned and I can understand due to COVID-19 but the email the representative provided me bounced back. 

I need a payment demand letter so I can pay CitiMortgage. I am selling my house and we were supposed to close this week but Citi has been completely unresponsive. Even reps have been hanging up on me, transferring me back to XXXX  when I tell them, they can't help me. 

I simply want to pay CITIMORTGAGE to move forward or I'm going to lose this opportunity to sell my home. 

Please contact me with any questions at XXXX or email at : XXXX My loan with CITI is : XXXX -- as I mentioned, the rep will think it's with XXXX  but it's not. 

Thank you for any assistance you can provide. 

XXXX XXXX
Product: Mortgage

In XXXX our monthly payment for our mortgage was processed like normal. That was until loancare sent a letter stating the payment was never recieved and that we've defaulted on our home loan. I've reached out countless times to try and figure out what happened. They've told us at least 15 different things. We were told if we send in bank statements that it would resolve the issue. We did that. They changed their minds and said that would no longer suffice and to send in a bank transmittal report so they could track where the payment went. We did that. A cashier with loancare decided that payment was never recieved. Our bank has told us numerous time that the money wad taken out of my fiances account and it was never sent back like loancare claims it was. Loancare claims that there were insufficient funds and the bank was sent the payment back. XXXX XXXX  denies this and said no money was ever returned to his account. We've tried countless times to get loancare and XXXX XXXX  to give us a solution. This is all happening while we're being told that we risk losing out house to foreclosure, our credit scores are rapidly declining, and this caused emense stress for my family. We get XXXX letters a week but not XXXX documented callback for case managers, supervisors etc. I need help and we've consulted with a lawyer and he has said this complaint is the last resort before filing legal claims against loancare.
Product: Credit card

On XX/XX/XXXX, I responded to an offer that came in the mail for a pre-approval Bread Cashback American Express credit card with a {$200.00} bonus if the cardholder spends {$1000.00} in the first three months of account open ( attached. ) The prescreen ID expired on XX/XX/XXXX but Id lost track of days that holiday week, so when the link directed me to an application for the same card, I assumed it was the same offer. I filled out the application, which was immediately approved. 

What was NOT made clear, and in fact what was very misleading, was that Id been routed to an application for a different credit card account, XXXX that did not offer a {$200.00} cash back bonus. 

That {$200.00} cash back bonus was the only reason I wanted the card. So I immediately called Comenity Capital Bank ( XXXX ) - the bank administering the Bread Cashback card - and cancelled it. ( Comenity 's letter acknowledging the account closure - attached ) To my dismay, although Id opened the account based on misleading information, and although Id had the account for less than XXXX minutes, and more so, had been told I was pre-approved ( also misleading, ) Comenity Capital Bank conducted XXXX HARD INQUIRIES on my credit report ( attached ) as follows : XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX - EXPERIAN XX/XX/XXXX - CCB/BreadCashback - XXXX XX/XX/XXXX CCB/BreadCashback - XXXX So on XX/XX/XXXX, I called Comenity Capital Bank and spoke with XXXX who XXXX it was possible XXXX remove these hard inquiries but that I had to write to Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX, OH XXXX, to request they be removed. 

As XXXX advised, on XX/XX/XXXX, I wrote to Comenity Capital Bank requesting they remove the XXXX hard inquiries, explaining that the application process had been misleading. ( letter attached ) The only response I received was XXXX letters ( attached ) : XXXX saying they would correct my credit report and one saying that the information was accurate since I did open an account. 

There was no acknowledgment of my having applied for a XXXX XXXX credit card under misleading circumstances, nor did they address the fact that the account had been closed within minutes. 

In the end, Comenity did not remove the XXXX hard inquiries as I requested on valid grounds.
Product: Credit card

On XX/XX/year>, I made a payment to my American Express account through XXXX. However, XXXX blocked this payment due to an issue on their end, which was completely outside of my control. As a result, the payment was returned to American Express. Despite the issue being caused by XXXX, American Express closed my credit card accounts on XX/XX/year>. 

I hold multiple American Express cards, many of which have high annual fees. I expected to fully use the benefits of these cards for the entire year. The closure of my accounts has unfairly prevented me from utilizing the services I have paid for, and I have not been given an opportunity to resolve the payment issue. 

I request the reinstatement of my accounts, or if that is not possible, a refund of the annual fees for the closed cards, as I have been unable to access the benefits that I paid for.
Product: Student loan

I have a federal government consolidated student loan, and work at a 501 ( c ) 3 job. In 2007, and for a few years I checked in with my lender and links provided to ensure I was on track for Public Student Loan Forgiveness. I was assured that I was on track and that it was too soon to apply. I later found out that although the loan should have qualified, it now didn't and I'd have to re-fiance and start over. I have over 10 years of payments, and I can't just start a new 10 year clock. The lender and the government pulled a bait and switch scam on us. Fix this, allow me to apply and forgive the loan as promised.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries are in violation according to the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according XXXXo15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW i did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION ALSO AS AN INTERNATIONALLY PROTECTED PERSON PROTECTED UNDER THE XXXX XXXX 18 USC SUBSECTION 112 MY RIGHTS TO PRIVACY HAS BEEN VIOLATED AND FURTHER FEDERAL ACTION IS IN ROUTE
Product: Debt collection

I recently became unemployed and filled for unemployment benefits through the state of Colorado which then awarded me benefits in the amount of {$710.00}. Due to a technical issue my funds were transferred unknown to me to Chase Bank into an account that I believed was closed and paid in full. Upon contacting Chase Bank I was then told that not only was the account still open with a balance they then took funds from my unemployment and applied it to my account and would only be returning a partial amout of {$270.00}. I then advised a supervisor of Chase Bank that on XXXX XXXX, 2015 I made a deposit of {$440.00} to cover a balance owed of {$440.00}. I then provided the supervisor with the requested information from the receipt and was told I would be followed up with within 48 hours. I did n't receive any contact until I called back Chase Bank a week later. I then spoke to a different supervisor and was not given any info until I told her that I would be filing a complaint with the CFPB. At that point she told me that no payment could be located. She told me she would speak to her manager and again I would receive follow up within 48 hours. No follow up was made and again I called Chase Bank and spoke to another supervisor who told me that the info from the receipt was invalid even though I provided the original supervisor with all requested information as well as refused to let me speak to a manager or the Chase Corporate offices and that the only thing that I could do would be to bring the receipt into the original branch ( XXXX XXXX XXXX, XXXX XXXX, CO XXXX ) which is not possible since I am out of state. I asked if I could fax or e-mail the recipient which he told me was impossible. I then filed a complaint with the CFPB which also did not resolve the issue even though I provided all the necessary info from the recipient including the date, time, and associate who took my deposit. They then asked me to fax in the recipient even though I did twice already. Once on XXXX XXXX and again on XXXX XXXX but still have n't received any follow up or resolution on this issue. At this point if Chase Bank does n't resolve this issue I will be involving the FTC as well as taking legal action to recover funds.